Quick Summary
Key Features
- Spend any asset in your Uphold wallet — crypto, fiat or precious metals — converted at point of sale
- Zero FX fees on card purchases: no foreign transaction fees
- UK: 1% cashback in GBP on eligible purchases, capped at £100/month
- US: XRP rewards — 2% on the Essential tier; Elite tier pays up to 4% on crypto/metals and 3% on fiat/stablecoins
Main Advantages
- 1.0% cashback on eligible spend
- Free virtual card issuance
- Works with Apple Pay and Google Pay
- Both virtual and physical card options
Notable Limitations
- Recurring fee: $0/mo standard
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format Uphold issues — pick the one that fits how you spend.
Uphold Virtual
Uphold Physical
1Can I get this card?
Supported Countries Map — powered by our availability data.
Uphold: Reported in 2 countries across 2 regions (United States, United Kingdom).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Uphold card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Uphold Virtual | Uphold Physical |
|---|---|---|
| Issuance fee | $0 (virtual) | $0 (virtual) |
| Monthly fee | $0/mo standard | $0/mo standard |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 1.0% cashback on eligible spend |
| Mobile wallets | Spend any asset in your Uphold wallet — crypto, fiat or precious metals — converted at point of sale |
| Spending & FX | Zero FX fees on card purchases: no foreign transaction fees |
| Rewards | UK: 1% cashback in GBP on eligible purchases, capped at £100/month |
| Rewards | US: XRP rewards — 2% on the Essential tier; Elite tier pays up to 4% on crypto/metals and 3% on fiat/stablecoins |
| Mobile wallets | Virtual card issued instantly; add to Apple Pay / Google Pay |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: Free bank transfer (ACH in the US, FPS in the UK, SEPA in the EEA), Debit/credit card top-up (3.99% fee), Apple Pay / Google Pay, Crypto deposits from external wallets |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Uphold |
|---|---|
| Virtual card issuance | $0 (virtual) |
| Monthly / annual fee | $0/mo standard |
| Card network | Mastercard |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | Free bank transfer (ACH in the US, FPS in the UK, SEPA in the EEA), Debit/credit card top-up (3.99% fee), Apple Pay / Google Pay, Crypto deposits from external wallets |
| Supported assets | 250+ cryptocurrencies, 27 national fiat currencies, 4 precious metals (including gold and silver) |
| Regions | United States, United Kingdom |
Rating breakdown
Pros & cons
Pros
- Spend any asset in your Uphold wallet — crypto, fiat or precious metals — converted at point of sale
- Zero FX fees on card purchases: no foreign transaction fees
- UK: 1% cashback in GBP on eligible purchases, capped at £100/month
- US: XRP rewards — 2% on the Essential tier; Elite tier pays up to 4% on crypto/metals and 3% on fiat/stablecoins
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Uphold virtual card cost?
The virtual card issuance fee is listed as $0 (virtual). Virtual card is issued instantly and free. UK physical Mastercard carries a one-time £9.95 shipping fee; US physical rollout varies by state. No setup or annual fees on the standard card. Fees change often — confirm in the app.
Which countries support Uphold?
Uphold is available in: United States, United Kingdom. The Uphold Card (Mastercard debit) is issued to residents of the US and UK. The wider Uphold platform serves 10M+ users in 150+ countries, but card issuance is currently limited to these two markets.
Does Uphold require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Uphold card with?
Supported top-up methods: Free bank transfer (ACH in the US, FPS in the UK, SEPA in the EEA), Debit/credit card top-up (3.99% fee), Apple Pay / Google Pay, Crypto deposits from external wallets.
Our verdict
Uphold scores 7.9/10 in our rating system. One card that spends crypto, fiat and precious metals with zero FX fees and up to 4% XRP rewards on the US Elite tier
Get the Uphold card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Uphold's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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