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Uphold Card review
Visa · custodial · last checked 2026-07-04
The Uphold Card is a Visa debit that spends directly from an Uphold balance — crypto, and even precious metals on some tiers. Its headline is XRP rewards: up to 4% back, dropping to 2% after the first 90 days (stated).
The availability is the story for our readers: exactly two countries, the US and UK, as of July 2026. Everywhere else this site covers, it is a no.
Fee
Amount
Verified
Virtual card issue
— unconfirmed
unconfirmedPhysical card issue
— unconfirmed
unconfirmedMonthly
— unconfirmed
unconfirmedTop-up
spends from Uphold balance
statedFX
— unconfirmed
unconfirmedATM
— unconfirmed
unconfirmed✓ = we paid it ourselves · “stated” = from Uphold Card’s pricing page, not yet tested · how we verify
Cashback / rewards (stated)
Up to 4% back in XRP, dropping to 2% after 90 days (stated)
Good
Spends many assets straight from the Uphold balance
Up to 4% XRP rewards initially (stated)
0% FX on the Elite tier (stated)
Not good
US and UK only
Rewards drop to 2% after 90 days (stated)
Core fees unpublished for most tiers