Visa · Custodial · Full KYC · Virtual and Physical

Uphold Debit Card: Fees, Limits and Cashback

Uphold Debit Card is a custodial Visa card from Uphold that does not publish its conversion fee. The FX markup on foreign-currency spending is 1.5%, and cashback is paid at a variable rate shown in the app. There is no annual fee. It is offered only in United States.

Verified September 24, 2026Issued by Uphold

35/100

Overall rating

Countries offered

Free

Annual fee

Not disclosed

Conversion fee

1.5%

FX markup

Variable, not published

Cashback

64/100

Safety score · Good

Uphold pros and cons

Pros

No annual or monthly fee on the base tier
Works with Apple Pay and Google Pay
Free virtual card
Safety score 64/100 (Good)

Cons

Conversion fee not published
1.5% FX markup on foreign-currency spending
Cashback rate not published
Only offered in United States

Uphold fees and limits

Virtual card	Free
Physical card	$4.99
Annual fee	Free
Monthly fee	None
Crypto conversion fee	Not disclosed
FX markup	1.5%
Fee on purchases in USD	None
ATM withdrawals	$2.95
Daily spending limit	Not disclosed
Monthly spending limit	Not disclosed
Daily ATM limit	Not disclosed
Card currency	USD

"Not disclosed" means Uphold does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Uphold cashback and rewards

Tier	Rate	Paid in	Monthly spend cap	Requirement
Essential	Variable	XRP	None published	None
Elite ($99.99 a year)	Variable	XRP	None published	Elite card, $99.99 a year

For the first 3 months after activation, the Essential card pays 2% in XRP (up to $120) and the Elite card pays 4% on crypto and metals and 3% on fiat and stablecoins (up to $300). Uphold does not publish the rate after that period. The Elite card also removes the FX and ATM fees.

What Uphold costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spending	Net per year	Tier used
$500	≤ -$18	Essential
$2,000	≤ -$72	Essential
$5,000	≤ -$180	Essential

Run it with your own numbers in the card cost calculator.

Uphold Apple Pay, Google Pay and ATM withdrawals

Uphold works with Apple Pay and Google Pay. ATM withdrawals: $2.95. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where Uphold is available

Uphold is offered only in United States. Available to US residents in US states and Washington D.C. Not available in Louisiana, New York or US territories.

The crypto card finder lists every card we track by country.

Topping up Uphold

Uphold tops up with USD, USDC, USDT, BTC and XRP. The conversion fee is not published. The card is custodial, so the provider holds your card balance.

How to get the Uphold card

Check that you live in a country where Uphold is offered (see the list above).
Download the Uphold app and complete identity verification with a government ID and a selfie check.
Top up with USD, USDC, USDT, BTC and XRP.
Issue the virtual card for free and add it to Apple Pay or Google Pay.
Order the physical card for $4.99 if you need ATM withdrawals or chip and PIN payments.

Who the Uphold card suits

Residents of United States only, where it is offered.

Uphold overall rating

Uphold rates 35/100 in our crypto card ranking.

Factor	Detail	Points
Reach	United States only	2.8 / 40
Yearly cost	-$72 a year at $2,000 a month	13.2 / 30
Safety	64/100	19.2 / 30

Is Uphold safe?

Uphold scores 64/100 (Good) in our safety check. Issuer: Uphold (United States). Licensing: Uphold HQ Inc. is a licensed money transmitter (NMLS ID 1269875).

Uphold publishes its assets and liabilities in real time on its transparency page. Funds in the USD account are held at Cross River Bank, Member FDIC, with pass-through insurance up to $250,000 when certain conditions are met; crypto balances are not covered.

Full Uphold safety report

Compare Uphold with other cards

Frequently asked questions

What are the Uphold card fees?

Uphold charges a conversion fee it does not publish, a 1.5% FX markup on foreign-currency spending, no annual fee. The virtual card is free and the physical card costs $4.99. Its ATM fee is listed in the fees table on this page.

Is Uphold available in the US?

Yes. Available to US residents in US states and Washington D.C. Not available in Louisiana, New York or US territories.

Does Uphold have cashback?

Yes, at a variable rate. For the first 3 months after activation, the Essential card pays 2% in XRP (up to $120) and the Elite card pays 4% on crypto and metals and 3% on fiat and stablecoins (up to $300). Uphold does not publish the rate after that period. The Elite card also removes the FX and ATM fees.

What is the Uphold ATM withdrawal fee?

Uphold charges $2.95 per ATM withdrawal. ATM operators may add their own fee.

Does Uphold work with Apple Pay and Google Pay?

Yes. Uphold supports both Apple Pay and Google Pay.

Is Uphold safe?

Uphold scores 64/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

Uphold fees · checked September 24, 2026