Kraken Card vs Uphold Debit Card
How Kraken Card vs Uphold Debit Card compare on our ratings, crypto card specs, funding, pros and cons.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 3.8/5 | 3.4/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 4.5 | 3.5 |
| Rewards & cashback | 4.0 | 4.0 |
| Availability | 3.0 | 2.5 |
| App & experience | 4.0 | 3.5 |
| Trust & security | 3.5 | 3.5 |
| Fees & features | ||
| Card type | Debit | Debit |
| Card network | Mastercard | Visa |
| Card format | Virtual | Virtual, Physical, Metal |
| Custody | Custodial | Custodial |
| Max cashback | 2% | 4% |
| Rewards paid in | BTC or EUR | XRP |
| Staking needed for top rewards | No | Not disclosed |
| Welcome bonus | New cardholders receive Max tier for 30 days, with 2% cashback. | Not disclosed |
| Card issuance fee | Free | Not disclosed |
| Monthly fee | Free | Not disclosed |
| Annual fee | Free | Not disclosed |
| Foreign exchange fee | 0% | Not disclosed |
| Crypto conversion spread | Variable spread applies when spending across assets | Not disclosed |
| ATM withdrawals | No ATM withdrawal fee from Kraken; third-party ATM fees may apply | Not disclosed |
| Available in | Europe (EEA), United Kingdom, United States | United States |
| Not available in | Not disclosed | Louisiana, New York, US territories |
| Spendable assets | 600+ cryptocurrencies, Cash | 300+ digital assets, BTC, ETH, XRP, USDC, USDT, Gold, Silver |
| Card currencies | EUR | USD |
| Spend stablecoins | Not disclosed | Yes |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools | Everyday spending, Travel, Online shopping |
| Perks | Up to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications | Up to 4% XRP rewards, Up to 3% APY on stablecoin balances, Apple Pay, Google Pay |
| Card issuer | UAB Monavate | Cross River Bank |
| Virtual card fee | Free | Free |
| Company | ||
| Founded | 2011 | 2014 |
| Headquarters | United States | United States |
| Investors | DRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2 | Not disclosed |
| Strengths and weaknesses | ||
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| Best for | Everyday crypto spending, Krak app users, Cardholders spending multiple assets | US residents spending crypto, Stablecoin-funded everyday purchases, Gold and Silver spending |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.