BinanceBinance
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Side-by-side card comparison
Binance vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 12 points (70 vs 58). Binance Card looks stronger for Funds control and Transfers, while Uphold Card US comes out ahead for Cashback and Travel.
Information checked Oct 14, 202625 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Binance Card may be the better fit for Funds control and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBinance58Uphold US70Higher score
CashbackBinance37Uphold US75Higher score
TravelBinance36Uphold US71Higher score
Funds controlBinance47Uphold US44Higher score
Lowest feesBinance56Uphold US56Same score
TransfersBinance76Uphold US65Higher score
Choose Binance Card if funds control and transfers matter most
Binance Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Binance58Uphold US70
Uphold Card US has the higher Overall Score by 12 points.
- Entry cost & FX
- Binance$0 plan · 2–3% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 2–3%).
- Purchase rewards
- Binance1.5% base · up to 3%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1.5%).
- Funds control
- BinanceCustodial balanceUphold USCustodial balance
Binance Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- BinanceVirtual · Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Binance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawalUphold US0 stablecoins · US bank withdrawal
Binance Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBinance CardOverall58Uphold Card USOverall70
Binance CardOverall58Uphold Card USOverall70Scores
6 fields- Overall Score
- Binance Card58Uphold Card US70
- Cashback score
- Binance Card37Uphold Card US75
- Travel score
- Binance Card36Uphold Card US71
- Funds control score
- Binance Card47Uphold Card US44
- Lowest fees score
- Binance Card56Uphold Card US56
- Transfers score
- Binance Card76Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Binance CardSpend supported Binance crypto balances, Google Pay supportUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Binance CardSpending follows the Binance account model, Virtual-only cardUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Binance Card$0Uphold Card US$0
- FX fee
- Binance Card2–3%Uphold Card US0–1.5%
- Top-up fee
- Binance CardNot disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Binance CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Binance CardNot disclosedUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeUphold Card USFree on both plans
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Uphold Card US2 plans: Essential, Elite
- Top cashback plan
- Binance CardTier 3: 3%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Binance CardMastercardUphold Card USVisa
- Card formats
- Binance CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Binance CardNot disclosedUphold Card USAvailable
- Mobile wallets
- Binance CardGoogle PayUphold Card USApple Pay, Google Pay
- Apps
- Binance CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Binance CardShown in appUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Binance CardShown in appUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Binance CardNot disclosedUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Binance CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Binance CardOther crypto: Supported cryptoUphold Card USNot disclosed
- Fiat deposits
- Binance CardBinance account bank depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalUphold Card USUS bank withdrawal
- Payout currencies
- Binance CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Binance Card1.5%Uphold Card US2%
- Max cashback
- Binance Card3%Uphold Card US4%
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Uphold Card USXRP
Earn
5 fields- Advertised APY
- Binance CardNot offeredUphold Card USNot offered
- How it works
- Binance CardNot offeredUphold Card USNot offered
- Separate deposit
- Binance CardNot offeredUphold Card USNot offered
- Use balance for spending
- Binance CardNot offeredUphold Card USNot offered
- Lock-up
- Binance CardNot offeredUphold Card USNot offered
Trust & availability
4 fields- Custody
- Binance CardCustodialUphold Card USCustodial
- Control until payment
- Binance CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Binance CardImmersve LimitedUphold Card USCross River Bank
- Custody / key management
- Binance CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Binance Card12Uphold Card US13
- Last reviewed
- Binance CardAug 5, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 58 for Binance Card. Uphold Card US has the lower published FX fee (0–1.5% vs 2–3%). Uphold Card US has the higher published base cashback rate (2% vs 1.5%).
Binance Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Binance Card and Uphold Card US use the same custodial balance setup.
Binance Card lists more stablecoins and ways to send money out (5 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Binance Card and Uphold Card US reviews first.
Continue with
Binance Card
Continue with
Uphold Card US
05 · Common questions
Binance vs Uphold US FAQ
Is Binance or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 58). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Binance or Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% vs 2–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 1.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and Uphold US differ on custody?
Binance Card and Uphold Card US use the same custodial balance setup.
How current is this Binance vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.