BitpandaBitpanda
73
Side-by-side card comparison
Bitpanda vs Uphold US: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 3 points (73 vs 70). Bitpanda Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback.
Information checked Oct 14, 202629 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Uphold Card US may be the better fit for Cashback. 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.
OverallBitpanda73Uphold US70Higher score
CashbackBitpanda60Uphold US75Higher score
TravelBitpanda79Uphold US71Higher score
Funds controlBitpanda56Uphold US44Higher score
Lowest feesBitpanda67Uphold US56Higher score
TransfersBitpanda85Uphold US65Higher score
Choose Bitpanda Card if travel and funds control matter most
Bitpanda Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
Choose Uphold Card US if cashback matters most
Uphold Card US comes out ahead for Cashback 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
- Bitpanda73Uphold US70
Bitpanda Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Bitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FXUphold US$0 plan · 0–1.5% FX
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1.5%).
- Purchase rewards
- Bitpanda1% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1%).
- Funds control
- BitpandaCustodial balanceUphold USCustodial balance
Bitpanda Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- BitpandaVirtual + Physical · Apple Pay, Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Bitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawalUphold US0 stablecoins · US bank withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 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%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 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
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
CardsBitpanda CardOverall73Uphold Card USOverall70
Bitpanda CardOverall73Uphold Card USOverall70Scores
6 fields- Overall Score
- Bitpanda Card73Uphold Card US70
- Cashback score
- Bitpanda Card60Uphold Card US75
- Travel score
- Bitpanda Card79Uphold Card US71
- Funds control score
- Bitpanda Card56Uphold Card US44
- Lowest fees score
- Bitpanda Card67Uphold Card US56
- Transfers score
- Bitpanda Card85Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Bitpanda CardNo monthly fee, Apple Pay and Google PayUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Bitpanda CardAsset sale fees on payments, Limited cashback eligibilityUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Bitpanda Card$0Uphold Card US$0
- FX fee
- Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payableUphold Card US0–1.5%
- Top-up fee
- Bitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider accountUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Bitpanda CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Bitpanda Card2%; min €2Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Bitpanda CardNot disclosedUphold Card USFree on both plans
- Physical card
- Bitpanda CardFirst card free. One active physical card per user.Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Bitpanda Card1 plans: StandardUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Bitpanda CardStandard: 1%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Bitpanda CardVisaUphold Card USVisa
- Card formats
- Bitpanda CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Bitpanda CardAvailableUphold Card USAvailable
- Mobile wallets
- Bitpanda CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Bitpanda CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Bitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.Uphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Bitpanda Card€280,000 per monthUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Bitpanda Card€500 per dayUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Bitpanda CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Bitpanda CardStablecoins: USDCUphold Card USNot disclosed
- Fiat deposits
- Bitpanda CardEUR SEPA depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Bitpanda CardStablecoin transfers; EUR SEPA withdrawalUphold Card USUS bank withdrawal
- Payout currencies
- Bitpanda CardEURUphold Card USUSD
Rewards
3 fields- Base cashback
- Bitpanda Card1%Uphold Card US2%
- Max cashback
- Bitpanda Card1%Uphold Card US4%
- Reward currency
- Bitpanda CardSame eligible cryptocurrency used for paymentUphold Card USXRP
Earn
5 fields- Advertised APY
- Bitpanda CardNot disclosedUphold Card USNot offered
- How it works
- Bitpanda CardEarn on spending balanceUphold Card USNot offered
- Separate deposit
- Bitpanda CardNoUphold Card USNot offered
- Use balance for spending
- Bitpanda CardYesUphold Card USNot offered
- Lock-up
- Bitpanda CardNoUphold Card USNot offered
Trust & availability
5 fields- Custody
- Bitpanda CardCustodialUphold Card USCustodial
- Control until payment
- Bitpanda CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Bitpanda CardTransact Payments Malta LimitedUphold Card USCross River Bank
- Card processing
- Bitpanda CardMarqetaUphold Card USNot disclosed
- Custody / key management
- Bitpanda CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Bitpanda Card16Uphold Card US13
- Last reviewed
- Bitpanda CardOct 6, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 70 for Uphold Card US. Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1.5%). Uphold Card US has the higher published base cashback rate (2% vs 1%).
Uphold Card US still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Bitpanda Card and Uphold Card US use the same custodial balance setup.
Bitpanda Card lists more stablecoins and ways to send money out (4 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 Bitpanda Card and Uphold Card US reviews first.
Continue with
Bitpanda Card
Continue with
Uphold Card US
05 · Common questions
Bitpanda vs Uphold US FAQ
Is Bitpanda or Uphold US better overall?
Bitpanda Card has the higher Overall Score (73 vs 70). 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, Bitpanda or Uphold US?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 0–1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bitpanda or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bitpanda and Uphold US differ on custody?
Bitpanda Card and Uphold Card US use the same custodial balance setup.
How current is this Bitpanda vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.