Main strengths
- A free virtual Visa is included; the optional plastic card costs $4.99.
- Add the virtual or physical Visa to either phone wallet for card payments.
- The $99.99 annual plan includes a metal card and a $25,000 daily spend limit.
Uphold US Visa cardUphold US Visa card
Visa Prepaid card
Uphold Card US
Uphold Card US spends from a selected asset in your Uphold account; Essential has no annual fee and currently earns 2%, while Elite costs $99.99 a year and advertises 3–4%. Asset sale fees apply, and the product page limits these reward values to three months after activation.
Main trade-offs
- Typical BTC and ETH sale fees are 2.05–2.2%; altcoin fees can be higher.
- The product page limits rewards to three months; later rates are unknown.
- Funds stay with Uphold; New York, Louisiana and US territories are excluded.
01 · Core economics
Costs that matter
Essential has no annual fee. Elite costs $99.99 per year. Card charges, account funding and asset sale fees are separate.
ItemValueWhat it means
Annual plan$0–$99.99Essential: no annual fee. Elite: $99.99 per year, automatically renewed unless cancelled.
Cash funding0–3.99%ACH: no Uphold deposit fee. External card: 3.99%. USD bank transfers cost $10 below $2,000 and have no Uphold fee at $2,000 or above.
Provider FX markup0–1.5%Essential: 1.5%; Elite: 0%. Agreement/help still list $1.50 fixed for Essential; asset conversion fees are separate.
Asset conversion fee0–3.8%Published typical range, not a maximum. BTC/ETH: 2.05–2.2%; altcoins: 2.85–3.8%; metals: 2.35–3.4%. Supported USD stablecoins have a conditional 0% tariff within the $20,000 rolling monthly allowance and 0.2% peg band.
ATM withdrawal$0–$2.95Essential: $2.95 per withdrawal. Elite: no Uphold ATM fee. Operator surcharges and asset conversion charges can apply.
Physical card$0–$4.99Essential plastic: $4.99. Elite metal is included in its $99.99 annual subscription. Shipping pricing is not confirmed.
Limits and secondary feesLimits and other fees
ItemValueWhat it means
Declined transactionNot disclosedNo reusable declined-transaction fee is published.
Daily card spend$2,500/dayEssential: $2,500/day; Elite: $25,000/day
Monthly card spend$10,000/monthEssential: $10,000/month; Elite: $100,000/month
ATM limit$500/dayEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Account depositNot disclosedDeposit limits vary by payment method.
02 · Plans & rewards
Current card rewards
Current rates are 2% on Essential and 3–4% on Elite. The product page limits these values to three months after activation for cards activated from January 1, 2026; the rewards terms only say limited time. Rates and eligibility can change. Calculated monthly; posted within 10 business days after month-end. Minimum $1 equivalent; smaller amounts roll forward.
Essential and Elite
Essential uses plastic; Elite includes metal. The same card image illustrates both plans; separate tier designs are unconfirmed.
Base plan
$0/yearEssential
Virtual Visa with optional plastic card
- Current cashback
- 2% on eligible purchases, paid in XRP.
- Reward cap
- $120 equivalent/month
- Card access
- Default account; verified US residents only.
- Purchase limits
- $2,500/day; $10,000/month.
- ATM
- $500/day; $2,000/month. Uphold fee: $2.95; operator charges can apply.
- Physical card
- $4.99 plastic card
- Foreign fees
- 1.5% selected product-page tariff; agreement/help list $1.50 fixed
- Reward asset
- XRP
Paid plan
$99.99/yearElite
Virtual Visa and metal card
- Current cashback
- 3% for fiat/stablecoin funding; 4% for crypto/metals.
- Reward cap
- $300 equivalent/month
- Card access
- $99.99 annual subscription; automatically renewed unless cancelled.
- Purchase limits
- $25,000/day; $100,000/month.
- ATM
- $2,000/day; $10,000/month. Uphold fee: $0.00; operator charges can apply.
- Physical card
- Metal card included
- Foreign fees
- 0%; asset conversion costs can apply
- Reward asset
- XRP on the product page; selectable assets in help. Availability unconfirmed.
03 · Everyday use
How the card fits everyday use
Both US plans support virtual and physical Visa cards, Apple Pay, Google Pay and ATM withdrawals. Card management is in the Uphold mobile app.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot offered
Account rails
- Crypto depositsNot confirmed
- Bank depositsRegion-dependent
- Crypto withdrawalsNot confirmed
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Uphold
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive3 routes
Bank deposits
2 routes
Linked US bank accountProvider-account route.USDFeeNo fixed feeSpeedVaries by railLimits$7,500 / dayAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Provider-account route. Plaid limits: $7,500/day and week; $30,000/month. Microdeposit limits are lower. Instant card spendability is not established.
USD bank transferFunds arrive in the Uphold account used to fund card payments.USDFee$10SpeedUp to 2 business daysLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- $10 · transfer
- No Uphold bank deposit fee
Access path
Via provider account
Availability
Funds arrive in the Uphold account used to fund card payments.
Limit scope
Not publicly confirmed
Card & app top-ups
1 route
External card depositUS-issued Visa required for applicable US Visa deposits.USDFee3.99%SpeedInstantLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 3.99% · transfer
Access path
Via provider account
Availability
US-issued Visa required for applicable US Visa deposits. This is account funding, not a card purchase fee.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Provider-account deposits fund the selected card asset.
Money outWays to send, withdraw or settle2 routes
Bank transfers & payouts
2 routes
Standard US ACH withdrawalWithdrawals come from the same Uphold provider account used for card funding.USDFeeNo fixed feeSpeedUp to 5 business daysLimits$25,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- No Uphold standard ACH fee
Access path
Via provider account
Availability
Linked US bank account; provider-account withdrawal
Limit scope
$25,000/day; $175,000/week; $700,000/month; minimum $5
Restrictions
Withdrawals come from the same Uphold provider account used for card funding. This is separate from ATM access.
Instant US ACH withdrawalWithdrawals come from the same Uphold provider account used for card funding.USDFee1.75%SpeedUp to 1 business daysLimits$25,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- 1.75% · transfer
Access path
Via provider account
Availability
Linked US bank account; provider-account withdrawal
Limit scope
$25,000/day; $175,000/week; $700,000/month; minimum $5
Restrictions
Withdrawals come from the same Uphold provider account used for card funding. This is separate from ATM access.
06 · Trust and eligibility
Where Uphold is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed1 country
United States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productUphold
Provides the product and account experience. Named legal operators appear separately.
Custody controlUphold + programme partners
Controls settlement until payment.
Custodial accountCard issuerCross River Bank
Card issuance and qualifying USD deposit account
Jurisdiction: US · Applies to: US programmeCustody / key managementUphold HQ Inc.
Programme management, customer support and linked asset account
Jurisdiction: US · Applies to: US programme07 · Methodology
Why the score is 70
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
70/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support76
Company & infrastructure
Named programme infrastructure includes Cross River Bank (issuer).
Main constraint50
Cost efficiency
No monthly fee and 1.5% FX fee shape the day-to-day cost profile.
09 · Card comparison
How Uphold Card US compares to others
A side-by-side look at cards built around crypto funding, everyday Visa access and money movement.
1 / 3
Current card
Uphold Card US
A free virtual Visa is included; the optional plastic card costs $4.99.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–4%
- FX fee
- Essential: 1.5%; Elite: 0%. Agreement/help still list $1.50 fixed for Essential; asset conversion fees are separate.
- Apps
- iOS, Android
- Transfers & payouts
- Bank transfers
- Funding routes
- Not confirmed
Similar match
Spend from a loaded Crypto.com prepaid balance, not a credit line.
- Card
- Prepaid Visa + Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0%–5%
- FX fee
- 0%–3% tier-dependent
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Internal transfers
- Funding routes
- Crypto transfer, Bank deposit, Card top-up + USD balance
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable.
- Apps
- iOS, Android, Web app
- Transfers & payouts
- Crypto + Bank transfers
- Funding routes
- Not confirmed
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
15 sources13 officialChecked Oct 14, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.