CoinbaseCoinbase
64
Side-by-side card comparison
Coinbase vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 6 points (70 vs 64). Coinbase Card looks stronger for Funds control and Transfers, while Uphold Card US comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Oct 14, 202635 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. Coinbase 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.
OverallCoinbase64Uphold US70Higher score
CashbackCoinbase36Uphold US75Higher score
TravelCoinbase61Uphold US71Higher score
Funds controlCoinbase48Uphold US44Higher score
Lowest feesCoinbase55Uphold US56Higher score
TransfersCoinbase84Uphold US65Higher score
Choose Coinbase Card if funds control and transfers matter most
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, and Lowest fees 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
- Coinbase64Uphold US70
Uphold Card US has the higher Overall Score by 6 points.
- Entry cost & FX
- Coinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate FXUphold US$0 plan · 0–1.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- CoinbaseNot disclosedUphold US2% base · up to 4%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- CoinbaseCustodial balanceUphold USCustodial balance
Coinbase Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- CoinbaseVirtual + Physical · UnknownUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Coinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-outUphold US0 stablecoins · US bank withdrawal
Coinbase 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
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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
CardsCoinbase CardOverall64Uphold Card USOverall70
Coinbase CardOverall64Uphold Card USOverall70Scores
6 fields- Overall Score
- Coinbase Card64Uphold Card US70
- Cashback score
- Coinbase Card36Uphold Card US75
- Travel score
- Coinbase Card61Uphold Card US71
- Funds control score
- Coinbase Card48Uphold Card US44
- Lowest fees score
- Coinbase Card55Uphold Card US56
- Transfers score
- Coinbase Card84Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Coinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM feesUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Coinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the appUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Coinbase Card$0Uphold Card US$0
- FX fee
- Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separateUphold Card US0–1.5%
- Top-up fee
- Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profileUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Coinbase Card0%Uphold Card USNot disclosed
- ATM fee
- Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published hereUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Coinbase CardNot disclosedUphold Card USFree on both plans
- Physical card
- Coinbase CardNot disclosedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Coinbase CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Coinbase CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Coinbase CardVisaUphold Card USVisa
- Card formats
- Coinbase CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Coinbase CardAvailableUphold Card USAvailable
- Mobile wallets
- Coinbase CardNot disclosedUphold Card USApple Pay, Google Pay
- Apps
- Coinbase CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Coinbase Card$2,500 per 24 hours in the U.S. programmeUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Coinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specificUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Coinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in appUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Coinbase CardCoinbase-supported networksUphold Card USNot disclosed
- Crypto deposits
- Coinbase CardOther crypto: Supported cryptoUphold Card USNot disclosed
- Fiat deposits
- Coinbase CardLinked bank account, Payroll depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Coinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-outUphold Card USUS bank withdrawal
- Payout currencies
- Coinbase CardUSD, GBP, EURUphold Card USUSD
Rewards
3 fields- Base cashback
- Coinbase CardNot disclosedUphold Card US2%
- Max cashback
- Coinbase CardNot disclosedUphold Card US4%
- Reward currency
- Coinbase CardSelected crypto offerUphold Card USXRP
Earn
5 fields- Advertised APY
- Coinbase CardNot offeredUphold Card USNot offered
- How it works
- Coinbase CardNot offeredUphold Card USNot offered
- Separate deposit
- Coinbase CardNot offeredUphold Card USNot offered
- Use balance for spending
- Coinbase CardNot offeredUphold Card USNot offered
- Lock-up
- Coinbase CardNot offeredUphold Card USNot offered
Trust & availability
5 fields- Custody
- Coinbase CardCustodialUphold Card USCustodial
- Control until payment
- Coinbase CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Coinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions LimitedUphold Card USCross River Bank
- Card processing
- Coinbase CardMarqeta, Inc.Uphold Card USNot disclosed
- Custody / key management
- Coinbase CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Coinbase Card22Uphold Card US13
- Last reviewed
- Coinbase CardAug 30, 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 64 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase 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. Coinbase Card and Uphold Card US use the same custodial balance setup.
Coinbase 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 Coinbase Card and Uphold Card US reviews first.
Continue with
Coinbase Card
Continue with
Uphold Card US
05 · Common questions
Coinbase vs Uphold US FAQ
Is Coinbase or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 64). 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, Coinbase or Uphold US?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coinbase or Uphold US?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coinbase and Uphold US differ on custody?
Coinbase Card and Uphold Card US use the same custodial balance setup.
How current is this Coinbase vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.