TL;DR.Uphold Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $3. Top-up fee 0%, FX fee 3%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 1, 2026.

CARD PROFILE · FULL KYC

Uphold Card.

Name: Uphold Card Crypto Card
Brand: Uphold Card
Availability: InStock
Rating: 4.6 (26296 reviews)

Spend directly from any of 250+ held assets (crypto, fiat, metals) with one-step auto-conversion. Up to 4% back paid in XRP. Live proof-of-reserves. Two tiers (Essential free / Elite $99.99/yr).

Launched 2021·Verified May 1, 2026·Monevia score 80/100

Visit site ↗← Back to the ledger

Cost / $100

$3.00

Top-up fee

Free

Network

Visa

Card type

Virtual + Physical

IBAN

Monthly limit

—

Status

Operational

Pros.

+Spend from 250+ assets (crypto, fiat, metals) with auto-conversion at point of sale
+Up to 4% XRP cashback (Elite, crypto/metals) or 2% (Essential) — paid in XRP
+Trustpilot 4.6/5 (26,078 reviews) — 'Excellent' rating
+Apple Pay & Google Pay supported
+ATM access worldwide
+Virtual card free; physical card available in UK (US coming soon)
+Regulated by FinCEN (US) and FCA (UK); live proof-of-reserves
+No top-up fee, no monthly fee on Essential tier

Cons.

−Only available in US (49 states, no NY/LA) and UK — no EU rollout yet
−Elite tier: $99.99/year
−Essential: $2.95 ATM fee + 3% foreign-transaction fee
−Daily ATM cap: $500 (Essential) / $2,000 (Elite); 2 ATM withdrawals/day max
−Daily purchase limit starts at $2,500 (Essential)
−Cashback capped at $120/mo (Essential) or $300/mo (Elite)
−Russia, Belarus, Canada and ~30 other jurisdictions blocked
−Hidden ~0.5% spread on FX conversions

FEE BREAKDOWN

Detailed fee breakdown.

Top-up fee

Free

Transaction fee

FX fee

Issuance

Free

Monthly

Free

Cost / $100

$3.00

Top-up: 0%. Monthly: $0 (Essential) / $99.99/yr (Elite). FX: 3% (Essential) / 0% (Elite). ATM: $2.95 (Essential) / free (Elite). Hidden ~0.5% spread on conversions. Physical card delivery: £9.95 (UK).

COVERAGE