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Uphold Debit Card
Visa crypto debit card with 300+ spendable assets and up to 4% XRP rewards
3.4/ 5
Our score
Fair
Max cashback
4%
Card network
Visa
What is Uphold Debit Card?
Uphold Debit Card is a custodial Visa card for eligible US residents. It draws on an Uphold wallet and lets cardholders spend dollars, stablecoins, crypto and precious metals, including more than 300 digital assets. The Elite plan offers up to 4% back in XRP on purchases funded with cryptocurrency or metals.
Who is behind it
The card is part of Uphold, a digital-asset company founded by Halsey Minor in 2014 and headquartered in Larkspur, United States. Uphold holds a NYDFS BitLicense, is a FinCEN-registered money services business and holds 51 US state money transmitter licenses. Its UK entity is registered as an FCA electronic money institution. The US card is issued by Cross River Bank, Member FDIC, under a Visa license. Pass-through FDIC insurance can apply to qualifying dollar deposits held at Cross River Bank, subject to the stated conditions.
How the card works
Spending comes from balances in the Uphold wallet rather than a separate self-custody wallet. Funding options include bank transfers, direct deposit, PayPal and crypto deposits. Users can spend from more than 300 assets, including BTC, ETH, XRP, USDC, USDT, Gold and Silver, with a spending priority order set in the app. The card works online and in person wherever Visa is accepted. Apple Pay and Google Pay are also supported where available. No credit check is required.
Plans and fees
The Essential plan has a $0 annual fee, a $0 virtual card, a $4.99 physical card and a $2.95 ATM withdrawal fee. It charges a 1.50% foreign transaction fee and offers up to 2% in XRP rewards, capped at $120. The Elite plan costs $99.99 annually, includes a $0 virtual card and metal physical card, and charges $0 for ATM withdrawals and foreign transactions. Elite rewards reach 4% for cryptocurrency or metals-funded purchases and 3% for fiat or stablecoin-funded purchases, capped at $300 in XRP each month. Stablecoin balances can earn up to 3% APY.
Availability and risks
The US card is available to US residents in participating states and Washington, D.C. It excludes Louisiana, New York and US territories. Uphold account onboarding is required. Rewards are paid in XRP, so their value can change, and the higher Elite rate has a $99.99 annual cost. The card is custodial, leaving access dependent on Uphold, its banking partner and card program. Crypto-funded purchases can also create taxable sales.
Founders
Halsey MinorFounder
Best for:US residents spending cryptoStablecoin-funded everyday purchasesGold and Silver spendingTravel with the Elite plan
Pros and cons
Pros
- Spends from more than 300 digital assets
- Supports spending from Gold and Silver balances
- Elite plan has 0% foreign transaction fees
- Elite ATM withdrawals cost $0
- Apple Pay and Google Pay supported
Cons
- Custodial wallet creates Uphold and banking-partner exposure
- US card excludes Louisiana, New York and US territories
- Elite plan costs $99.99 annually
- Rewards are paid in volatile XRP
- Essential card charges $2.95 per ATM withdrawal
- Crypto-funded purchases can trigger taxable sales
Our review
3.4/5
Fair
Uphold combines broad asset spending with XRP rewards, but its custodial model, US-only access and paid Elite tier limit flexibility.
Uphold Debit Card is a custodial Visa card for eligible US residents. It spends from balances in an Uphold wallet rather than from a self-custody wallet, so the card depends on Uphold account access and compliance controls. The US card is issued by Cross River Bank under a Visa license. Uphold says dollar deposits may receive pass-through FDIC insurance through Cross River Bank, subject to the stated conditions, while Uphold itself is not an FDIC-insured bank.
The card supports spending from dollars and 300+ digital assets, including cryptocurrency, stablecoins, gold and silver. A user can set a spending priority order in the app. Stablecoin spending and Apple Pay or Google Pay support are available where supported. Funding can come through bank transfer, direct deposit, PayPal or crypto deposits.
Elite costs $99.99 per year and pays up to 4% in XRP on eligible cryptocurrency or metals-funded purchases, up to 3% when funded with fiat or stablecoins, with rewards capped at up to $300 per month. Essential has no annual fee and pays up to 2% in XRP, capped at $120. Rewards are therefore exposed to XRP price movements, and the Elite fee reduces the value of smaller spending volumes. Essential charges $4.99 for its physical card, $2.95 for ATM withdrawals and 1.50% for foreign transactions; Elite charges $0 for those listed items.
This card is limited to US residents in participating states and Washington, D.C., excluding Louisiana, New York and US territories. The product also uses a custodial account.
Uphold was founded by Halsey Minor in 2014 and has a US regulatory footprint that includes a NYDFS BitLicense, FinCEN registration and 51 state money transmitter licenses.
Sources (1)
Fees & limits
| Card type | Debit |
|---|---|
| Card network | Visa |
| Card format | Virtual, Physical, Metal · unverified |
| Custody | Custodial |
| Max cashback ⓘ | 4% · unverified |
| Rewards paid in | XRP · unverified |
| Available in | United States |
| Not available in | Louisiana, New York, US territories · unverified |
| Spendable assets | 300+ digital assets, BTC, ETH, XRP, USDC, USDT, Gold, Silver · unverified |
| Card currencies | USD · unverified |
| Spend stablecoins | Yes · unverified |
| Apple Pay | Yes · unverified |
| Google Pay | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping · unverified |
| Perks | Up to 4% XRP rewards, Up to 3% APY on stablecoin balances, Apple Pay, Google Pay · unverified |
| Card issuer | Cross River Bank · unverified |
| Virtual card fee | Free · unverified |
Not disclosed by the provider: KYC required, Business card, Staking needed for top rewards, Welcome bonus, Card issuance fee, Monthly fee, Annual fee, Foreign exchange fee, Top-up fee, Crypto conversion spread, ATM withdrawals, Daily spending limit, ATM withdrawal limit, Top-up networks, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Spend 300+ assets
The card can spend from more than 300 digital assets, plus dollars, Gold and Silver balances.
Visa acceptance
Use it online and in person wherever Visa is accepted, including Apple Pay and Google Pay where available.
XRP rewards
Elite rewards reach up to 4% in XRP for cryptocurrency or metals-funded purchases and 3% for fiat or stablecoins.
Two card plans
Essential costs $0 annually, while Elite costs $99.99 annually and includes a metal physical card.
Stablecoin spending
USD-pegged stablecoin balances can fund purchases and may earn up to 3% APY in the Uphold wallet.
Wallet funding options
Fund the card through bank transfers, direct deposit, PayPal or crypto deposits.
Mobile wallet support
Add the card to Apple Pay and Google Pay where those services are available.
Inside Uphold Debit Card
Uphold Elite Card
The paid US card has a $99.99 annual fee, a $0 virtual card and a $0 metal physical card. It pays up to 4% in XRP on cryptocurrency or metals-funded purchases and up to 3% on fiat or stablecoin-funded purchases, with rewards of up to $300 per month.
Uphold Essential Card
The no-annual-fee US card offers a $0 virtual card and a $4.99 plastic physical card. It pays up to 2% in XRP, capped at $120, and charges $2.95 for ATM withdrawals and 1.50% for foreign transactions.
Uphold Debit Card screenshots
What users say about Uphold Debit Card
Users mainly report blocked withdrawals, restricted accounts, slow verification, and difficulty reaching support. A small number describe successful withdrawals or other positive experiences, but positive product feedback is limited.
In their own words
“Uphold won't let me do anything except... Why did I upload my ID and selfie several days ago and get approved for trading when the only thing I can do is buy on the account? I can't even withdraw what I've deposited or connect my Brave Rewards to the account. I'm feeling like I have been scammed.”
“Restricted account Uphold has restricted my account and I cannot access my money. Support has been completely unresponsive. I’m posting this because I’m genuinely frustrated with how Uphold has handled my account restriction.”
“Worst, they have been holding my money for the past 90 days after I made a deposit to purchase bitcoin and they restricted my account after waiting for 6 days for the money to reflect now I tried to withdraw the bitcoin I purchased and they asked me to wait 24hrs which I did now they said they will…”
“My account verification is taking too long My account verification progress is taking so long, my request has been sitting unanswered for fatt too long, it's been over 16 days since it's creation and still didn't have any finish on how far the process it's been and how can i make it faster.”
“Has anyone waited over 3 weeks for the essential card order? Can anyone in this community tell me that they waited longer than three weeks to get their essential card?All it takes a yes(or a no).Answering yes would ease my mind as thats the predicament I've been in since November of last year.I'm…”
“Unable to use my card for no reason Got my card a few weeks back. Activated it. Added some money for my bank account. Was using it fine with no problems. Then all the sudden out of nowhere my card is getting declined everywhere even though I have funds attached to my card.”
Scam warning: Phishing links and fake recovery services have been used to drain users' wallets or solicit further payments.
Scam warning: Some users received suspicious messages, letters, or phone numbers claiming to be from Uphold.
Based on 200 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
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FAQ
Who founded Uphold Debit Card?
Uphold was founded by Halsey Minor in 2014. The company is headquartered in Larkspur, United States.
What fees does the Uphold Debit Card charge?
Essential has no annual fee, while Elite costs $99.99 per year. Essential charges $4.99 for a physical card, $2.95 for ATM withdrawals and 1.50% for foreign transactions; Elite lists $0 for those charges.
Where is the Uphold Debit Card available?
The US card is available to residents of US states and Washington, D.C., except Louisiana, New York and US territories. A separate UK card is issued on Mastercard for British residents.
Is the Uphold Debit Card safe?
The card is custodial and issued by Cross River Bank under a Visa license. Dollar deposits may receive pass-through FDIC insurance through Cross River Bank if the stated conditions are met, and Uphold holds a NYDFS BitLicense, FinCEN registration and 51 US state money transmitter licenses.
What assets can the Uphold Debit Card spend?
The card can spend dollars and 300+ digital assets, including BTC, ETH, XRP, USDC, USDT, gold and silver. Users can set a spending priority order in the app.
Does the Uphold Debit Card have a token?
The card pays rewards in XRP, currently described as its rewards currency. Elite rewards reach up to 4% for eligible cryptocurrency or metals-funded purchases, while Essential rewards reach up to 2%.
Latest from Uphold Debit Card on X
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Crypto-assets are highly volatile and involve risk. You may lose all the money you invest. Consumer protections may be limited.
Join millions of OGs worldwide automating their XRP stacks and earning rewards in the Uphold App.
Just another day in the trenches 🪖
Crypto-assets are highly volatile and involve risk. You may lose all the money you invest. Consumer protections may be limited.
Carving out the future of finance 🎃 https://t.co/uVIJbHJVCb
Recent public posts from @UpholdInc, shown as published. Not reviewed or endorsed by CryptoReview.
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