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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Orange Pionex Visa Platinum card face
57Overall

Best fit

  • Existing Pionex users moving USDT into a separate card spending balance.
  • Eligible Visa users combining card spend with variable payment-account yield.

Before you choose

  • Purchase fees range from 1% to 3.5%, against cashback of only 0.1–1%.
  • Applying needs over 10 USDT for Mastercard or 100 USDT for Visa, not a fee.
Read review
RedotPay Visa Platinum card front visual
69Overall

Best fit

  • Paying from a crypto balance without subscribing to the optional Pro plan.
  • Combining crypto deposits with eligible EUR and GBP account funding.

Before you choose

  • Virtual issuance costs $10; the physical card costs $100 to apply for.
  • Crypto conversion costs 1%; foreign purchases can add 1.2–2% FX.
Read review
Uphold US Visa debit card
70Overall

Best fit

  • Spending assets already in Uphold without a separate card top-up.
  • Trying Essential without an annual fee or a paid Elite subscription.

Before you choose

  • Advertised rates last three months from activation; later rates are unknown.
  • Crypto sale fees can exceed cashback; BTC and ETH typically cost 2.05–2.2%.
Read review
4 of 4 cards selected

Fees, rewards & everyday use

Compare the details

Showing 2 of 4 cards. Tap a card menu below to change the pair.

01

Scores

Overall Score
MPChat Card: 52
Pionex Card: 57
RedotPay Card: 69
Uphold Card US: 70
Cashback score
MPChat Card: 18
Pionex Card: 52
RedotPay Card: 41
Uphold Card US: 66
Travel score
MPChat Card: 72
Pionex Card: 29
RedotPay Card: 84
Uphold Card US: 72
Funds control score
MPChat Card: 41
Pionex Card: 43
RedotPay Card: 55
Uphold Card US: 53
Lowest fees score
MPChat Card: 60
Pionex Card: 57
RedotPay Card: 66
Uphold Card US: 57
Transfers score
MPChat Card: 58
Pionex Card: 79
RedotPay Card: 85
Uphold Card US: 87
02

Costs

Plan cost
MPChat Card: $0
Pionex Card: $0
RedotPay Card: $0
Uphold Card US: $0
FX fee
MPChat Card: 0%
Pionex Card: Not disclosed
RedotPay Card: 1.2–2%
Uphold Card US: 0–1.5%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Pionex Card: Not disclosed
RedotPay Card: Not disclosed
Uphold Card US: ACH: no deposit fee; external card: 3.99%
Card spending fee
MPChat Card: 0.8%
Pionex Card: 3.5%
RedotPay Card: Not disclosed
Uphold Card US: Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Pionex Card: Visa 2% · Mastercard not established
RedotPay Card: 2% up to $10,000 /mo; then 3%
Uphold Card US: $0–$2.95
Virtual card
MPChat Card: Cloud: 10 USDT one time
Pionex Card: Available
RedotPay Card: 10 USD one-time issuance fee; non-refundable after payment
Uphold Card US: Free on both plans
Physical card
MPChat Card: $100
Pionex Card: Not available
RedotPay Card: $100 refundable deposit
Uphold Card US: $0–$4.99
Asset conversion fee
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: 1%
Uphold Card US: 0–3.8%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Pionex Card: Mastercard
RedotPay Card: Regular
Uphold Card US: Essential
Base cashback
MPChat Card: Not disclosed
Pionex Card: 0.1%
RedotPay Card: 0%
Uphold Card US: 1%
Max cashback
MPChat Card: Not disclosed
Pionex Card: 1%
RedotPay Card: 3%
Uphold Card US: 4%
Reward currency
MPChat Card: Not disclosed
Pionex Card: USDT
RedotPay Card: USDs
Uphold Card US: XRP
Cashback cap · entry plan
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Not listed
Uphold Card US: Not disclosed
Top cashback plan
MPChat Card: Not disclosed
Pionex Card: Visa
RedotPay Card: Pro
Uphold Card US: Elite
Cashback on top plan
MPChat Card: Not disclosed
Pionex Card: 1% in USDT
RedotPay Card: 3% in USDs
Uphold Card US: Not disclosed
Cashback cap · top plan
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: $18 / month
Uphold Card US: Not disclosed
Full-rate spend · top plan
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: $600 / month
Uphold Card US: Not disclosed
Rate after spend cap · top plan
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: 0%
Uphold Card US: Not disclosed
Top plan price / access
MPChat Card: Not disclosed
Pionex Card: $0 · annual fee · account balance required to apply
RedotPay Card: $12.90/mo · or $129/yr
Uphold Card US: $99.99/year
Top plan qualification
MPChat Card: Not disclosed
Pionex Card: Over 100 USDT to apply; not charged or held
RedotPay Card: $12.90/month subscription or $129/year subscription
Uphold Card US: Not disclosed
Reward payout
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Not disclosed
Uphold Card US: See payout schedule
Programme opt-in
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Not disclosed
Uphold Card US: Not required
Current cashback · top plan
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Not disclosed
Uphold Card US: 3% for fiat/stablecoin funding; 4% for crypto/metals.
04

Everyday use

Network
MPChat Card: Visa
Pionex Card: Visa/Mastercard
RedotPay Card: Visa
Uphold Card US: Visa
Card formats
MPChat Card: Virtual, Physical
Pionex Card: Virtual
RedotPay Card: Virtual, Physical
Uphold Card US: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Pionex Card: Not available
RedotPay Card: Available
Uphold Card US: Available
Mobile wallets
MPChat Card: Google Pay
Pionex Card: Apple Pay, Google Pay
RedotPay Card: Apple Pay, Google Pay
Uphold Card US: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: iOS, Android
Uphold Card US: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Pionex Card: $10,000 / day
RedotPay Card: Unknown
Uphold Card US: $2,500 / day
Monthly spending limit
MPChat Card: $1,000,000 / month
Pionex Card: $50,000 / month
RedotPay Card: Unknown
Uphold Card US: $10,000 / month
ATM limit
MPChat Card: $1,500 / day
Pionex Card: $0 / 24 hours
RedotPay Card: Unknown
Uphold Card US: $500 / day
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Pionex Card: Not disclosed
RedotPay Card: TRC20, ERC20, BEP20
Uphold Card US: Not disclosed
Stablecoin deposits
MPChat Card: USDT
Pionex Card: Not disclosed
RedotPay Card: USDT, USDC
Uphold Card US: Not disclosed
Other crypto deposits
MPChat Card: Not disclosed
Pionex Card: Supported crypto
RedotPay Card: BTC, ETH, SOL, XRP, BNB +3
Uphold Card US: BTC, ETH
Fiat deposits
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: RedotPay account bank deposit
Uphold Card US: Linked US bank account, USD bank transfer, External card deposit
Crypto transfers
MPChat Card: External USDT withdrawal
Pionex Card: Pionex account crypto withdrawal
RedotPay Card: RedotPay account crypto withdrawal
Uphold Card US: Uphold account crypto withdrawal
Internal transfers
MPChat Card: Not disclosed
Pionex Card: Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer
RedotPay Card: Not disclosed
Uphold Card US: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Pionex Card: Pionex account cash-out
RedotPay Card: RedotPay International Transfer
Uphold Card US: US bank withdrawal
Payout currencies
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Not disclosed
Uphold Card US: USD
06

Earn

Advertised APY
MPChat Card: Not offered
Pionex Card: Up to 5% APY
RedotPay Card: Up to 1% APY
Uphold Card US: Not offered
How it works
MPChat Card: Not offered
Pionex Card: Earn on spending balance
RedotPay Card: Optional earn vault
Uphold Card US: Not offered
Separate deposit
MPChat Card: Not offered
Pionex Card: No
RedotPay Card: Yes
Uphold Card US: Not offered
Use balance for spending
MPChat Card: Not offered
Pionex Card: Yes
RedotPay Card: Not disclosed
Uphold Card US: Not offered
Lock-up
MPChat Card: Not offered
Pionex Card: No
RedotPay Card: Not disclosed
Uphold Card US: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Pionex Card: Custodial
RedotPay Card: Custodial
Uphold Card US: Custodial
Control until payment
MPChat Card: Provider controls funds
Pionex Card: Provider controls funds
RedotPay Card: Provider controls funds
Uphold Card US: Provider controls funds
Card issuer
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Xfers Pte. Ltd.
Uphold Card US: Cross River Bank
Card processing
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: RedotPay
Uphold Card US: Not disclosed
Custody / key management
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Not disclosed
Uphold Card US: Uphold HQ Inc.
Programme operator
MPChat Card: Not disclosed
Pionex Card: Not disclosed
RedotPay Card: Red F. Technology Limited
Uphold Card US: Not disclosed
Official sources
MPChat Card: 30
Pionex Card: 59
RedotPay Card: 28
Uphold Card US: 15
Last reviewed
MPChat Card: Nov 12, 2026
Pionex Card: Nov 12, 2026
RedotPay Card: Nov 12, 2026
Uphold Card US: Nov 12, 2026

Using the comparison

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Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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