Uphold
Uphold Debit Card
Uphold · other · debit · Custodial
At $1,000/month spend with no stake, Uphold Debit Card nets +$210 a year. According to Cardefi data, 7 of 17 key figures are verified from the issuer's pages, latest 6 Sep 2026.
direct — pays us nothing
- Cashback at your stake
- 2.0%
- Min. stake for rewards
- None
- Annual fee
- $0
- FX fee
- —
- Net value / yr
- +$210 at $1,000/mo spend
- Break-even
- $0 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Essential | Essential | 2.0% | +$210 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 2.0% × $12,000 | +$240 |
| Yearly fees | annual $0 + 12 × $0 | −$0 |
| FX on 25.0% of spend | 1.0% assumed × $3,000 | −$30 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | +$210 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.
| Annual fee | $0 / yearEssential $0; Elite $99.99/year is in tiers1 source“| Annual fee | $99.99 1 | $0”[2] · help_center · captured 6 Sep 2026 |
| Monthly fee | n/aFee is annual (Elite) or none (Essential) |
| Card issuance | $0Virtual free; physical Essential $4.99, Elite free1 source“Your virtual Uphold Card is free to activate.”[3] · help_center · captured 6 Sep 2026 |
| Physical card / delivery | $4.99Physical Essential card; Elite free plus 1 replacement per year, then $29.991 source“Essential: $4.99”[3] · help_center · captured 6 Sep 2026 |
| Foreign transaction (FX) | varies by tierEssential: flat $1.50 per foreign transaction plus network FX; Elite: $0 (network FX may apply)1 source“Essential: $1.50 (Flat fee on all foreign transactions and separate FX fees may apply)”[3] · help_center · captured 6 Sep 2026 |
| Crypto conversion / spread | — not disclosedUphold's spread when selling crypto at payment is not disclosed in the card articles |
| ATM withdrawal | 0.0%Flat $2.95 per withdrawal (Essential); Elite $0; plus ATM operator fees1 source“Essential: $2.95 (ATM fees may apply)”[3] · help_center · captured 6 Sep 2026 |
| ATM fixed fee | $2.95 / tx1 source“Essential: $2.95 (ATM fees may apply)”[3] · help_center · captured 6 Sep 2026 |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Essential | 2.0% · None · Cap: $120 / month of rewards · Paid in XRP |
| Elite | 3.0% · $99.99 / year · Cap: $300 / month of rewards · Paid in XRP |
Limits
| Spend per day | $2,500 / dayEssential; Elite $25,000/day1 source“Essential: $2,500 daily | $10,000 monthly”[3] · help_center · captured 6 Sep 2026 |
| Spend per month | $10,000 / monthEssential; Elite $100,000/month1 source“Essential: $2,500 daily | $10,000 monthly”[3] · help_center · captured 6 Sep 2026 |
| ATM per day | $500 / dayEssential, max 3 withdrawals; Elite $2,0001 source“Essential: $500 daily (max 3 transactions) | $2,000 monthly (max 10 transactions)”[3] · help_center · captured 6 Sep 2026 |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- Crypto conversion / spread. Uphold's spread when selling crypto at payment is not disclosed in the card articles
Sources
4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- support.uphold.com/hc/en-us/articles/41075568753691-Eligibility-Availability · help_center · 6 Sep 2026
- support.uphold.com/hc/en-us/articles/41106030548763-Earning-rewards · help_center · 6 Sep 2026
- support.uphold.com/hc/en-us/articles/41078719850139-Managing-the-Uphold-Debit-Card · help_center · 6 Sep 2026
- support.uphold.com/hc/en-us/articles/41105830040859-Card-transactions · help_center · 6 Sep 2026
Report a wrong figure
Availability and terms by country
One row per country with a Cardefi hub, read from the issuer's own country lists. 2 countries are listed as available in total.
| Country | Status | Variant | Issuer / licence |
|---|---|---|---|
| United States | Availablechecked 6 Sep 2026 | US | |
| United Kingdom | Availablechecked 6 Sep 2026terms in United Kingdom → | UK |
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- Does Uphold Debit Card charge an annual fee?
- The annual fee for Uphold Debit Card is $0.
- How much cashback does Uphold Debit Card pay?
- Uphold Debit Card pays up to 2.0%, which is the highest rate any of its tiers reaches.
- What does Uphold Debit Card charge at an ATM?
- Uphold Debit Card charges 0.0% on ATM withdrawals. The ATM operator may add its own fee on top.
- Who holds the funds behind Uphold Debit Card?
- The issuer does. Spending on Uphold Debit Card draws on a balance held by the provider, not in a wallet you control.
- Does Uphold Debit Card require identity verification?
- Yes. Uphold Debit Card requires full identity verification before the card can be used.