Crypto.comCrypto.com Prepaid
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Side-by-side card comparison
Crypto.com Prepaid vs Uphold US: fees, rewards and account setup
Uphold Card US has the higher Overall Score by 13 points (70 vs 57). Uphold Card US also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Oct 14, 202627 official sources reviewed
01 · Make the first cut
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Crypto.com Prepaid Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallCrypto.com Prepaid57Uphold US70Higher score
CashbackCrypto.com Prepaid31Uphold US75Higher score
TravelCrypto.com Prepaid57Uphold US71Higher score
Funds controlCrypto.com Prepaid40Uphold US44Higher score
Lowest feesCrypto.com Prepaid48Uphold US56Higher score
TransfersCrypto.com Prepaid47Uphold US65Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Crypto.com Prepaid57Uphold US70
Uphold Card US has the higher Overall Score by 13 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- Crypto.com PrepaidCustodial balanceUphold USCustodial balance
Crypto.com Prepaid Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + 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
- Crypto.com Prepaid0 stablecoins · US card-to-card sendUphold US0 stablecoins · US bank withdrawal
Uphold Card US lists more stablecoins and ways to send money out (2 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 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
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Uphold Card USOverall70
Crypto.com Prepaid CardOverall57Uphold Card USOverall70Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Uphold Card US70
- Cashback score
- Crypto.com Prepaid Card31Uphold Card US75
- Travel score
- Crypto.com Prepaid Card57Uphold Card US71
- Funds control score
- Crypto.com Prepaid Card40Uphold Card US44
- Lowest fees score
- Crypto.com Prepaid Card48Uphold Card US56
- Transfers score
- Crypto.com Prepaid Card47Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Uphold Card US$0
- FX fee
- Crypto.com Prepaid Card0–3%Uphold Card US0–1.5%
- Top-up fee
- Crypto.com Prepaid Card2.99%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Crypto.com Prepaid Card0–2%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedUphold Card USFree on both plans
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Uphold Card US2 plans: Essential, Elite
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardUphold Card USVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableUphold Card USAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Uphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHUphold Card USNot disclosed
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendUphold Card USUS bank withdrawal
- Payout currencies
- Crypto.com Prepaid CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Uphold Card US2%
- Max cashback
- Crypto.com Prepaid Card5%Uphold Card US4%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsUphold Card USXRP
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredUphold Card USNot offered
- How it works
- Crypto.com Prepaid CardNot offeredUphold Card USNot offered
- Separate deposit
- Crypto.com Prepaid CardNot offeredUphold Card USNot offered
- Use balance for spending
- Crypto.com Prepaid CardNot offeredUphold Card USNot offered
- Lock-up
- Crypto.com Prepaid CardNot offeredUphold Card USNot offered
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialUphold Card USCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Uphold Card USCross River Bank
- Custody / key management
- Crypto.com Prepaid CardNot disclosedUphold Card USUphold HQ Inc.
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Uphold Card USNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Uphold Card US13
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Uphold Card USOct 14, 2026
04 · The takeaway
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 57 for Crypto.com Prepaid Card. Uphold Card US has the lower published FX fee (0–1.5% vs 0–3%). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card and Uphold Card US use the same custodial balance setup.
Uphold Card US lists more stablecoins and ways to send money out (2 vs 1). 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 Crypto.com Prepaid Card and Uphold Card US reviews first.
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Crypto.com Prepaid Card
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Uphold Card US
05 · Common questions
Crypto.com Prepaid vs Uphold US FAQ
Is Crypto.com Prepaid or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 57). 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, Crypto.com Prepaid or Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Uphold US differ on custody?
Crypto.com Prepaid Card and Uphold Card US use the same custodial balance setup.
How current is this Crypto.com Prepaid vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 27 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.