Fuse WalletFuse
74
Side-by-side card comparison
Fuse vs Uphold US: overall score versus use-case fit
Fuse Card has the higher Overall Score by 4 points (74 vs 70). Fuse Card looks stronger for Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback and Travel.
Information checked Oct 14, 202628 official sources reviewed
01 · Overall score versus use-case fit
Fuse Card is the better all-round starting point
Fuse Card has the higher Overall Score in this comparison. Uphold Card US may be the better fit for Cashback and Travel. 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.
OverallFuse74Uphold US70Higher score
CashbackFuse25Uphold US75Higher score
TravelFuse65Uphold US71Higher score
Funds controlFuse91Uphold US44Higher score
Lowest feesFuse93Uphold US56Higher score
TransfersFuse97Uphold US65Higher score
Choose Fuse Card if funds control and lowest fees matter most
Fuse Card comes out ahead for 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback and Travel 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
- Fuse74Uphold US70
Fuse Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Fuse$0 plan · 0% FXUphold US$0 plan · 0–1.5% FX
Fuse Card has the lower published FX fee (0% vs 0–1.5%).
- Purchase rewards
- Fuse0% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- FuseSelf-controlled walletUphold USCustodial balance
Fuse Card uses a self-controlled wallet setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- FuseVirtual · Apple PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Fuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfersUphold US0 stablecoins · US bank withdrawal
Fuse Card lists more stablecoins and ways to send money out (3 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
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 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
CardsFuse CardOverall74Uphold Card USOverall70
Fuse CardOverall74Uphold Card USOverall70Scores
6 fields- Overall Score
- Fuse Card74Uphold Card US70
- Cashback score
- Fuse Card25Uphold Card US75
- Travel score
- Fuse Card65Uphold Card US71
- Funds control score
- Fuse Card91Uphold Card US44
- Lowest fees score
- Fuse Card93Uphold Card US56
- Transfers score
- Fuse Card97Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Fuse CardSeparate USDC Card Account, Apple Pay for in-person spendUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Fuse CardiOS and virtual-only access, Receive rails convert incoming fiatUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Fuse Card$0Uphold Card US$0
- FX fee
- Fuse Card0%Uphold Card US0–1.5%
- Top-up fee
- Fuse Card0%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Fuse Card0%Uphold Card USNot disclosed
- ATM fee
- Fuse CardNot availableUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Fuse CardVirtual card purchase $0 after Bridge KYCUphold Card USFree on both plans
- Physical card
- Fuse CardNot available in captured Fuse support pageUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Fuse Card1 plans: Fuse PlusUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Fuse CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Fuse CardVisaUphold Card USVisa
- Card formats
- Fuse CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Fuse CardNot availableUphold Card USAvailable
- Mobile wallets
- Fuse CardApple PayUphold Card USApple Pay, Google Pay
- Apps
- Fuse CardiOSUphold Card USiOS, Android
- Daily spending limit
- Fuse Card$2,000/day; $2,000/transactionUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Fuse CardMonthly cap not disclosed; daily and transaction caps are approvedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Fuse CardNot availableUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Fuse CardSolanaUphold Card USNot disclosed
- Crypto deposits
- Fuse CardStablecoins: USDC; Other crypto: SOL, SPL tokensUphold Card USNot disclosed
- Fiat deposits
- Fuse CardUSD virtual bank account, EUR virtual bank accountUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Fuse CardStablecoin transfers; ACH / SEPA bank transfersUphold Card USUS bank withdrawal
- Payout currencies
- Fuse CardUSD, EURUphold Card USUSD
Rewards
3 fields- Base cashback
- Fuse Card0%Uphold Card US2%
- Max cashback
- Fuse Card0%Uphold Card US4%
- Reward currency
- Fuse CardNo cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Fuse CardNot disclosedUphold Card USNot offered
- How it works
- Fuse CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Fuse CardYesUphold Card USNot offered
- Use balance for spending
- Fuse CardNoUphold Card USNot offered
- Lock-up
- Fuse CardNot disclosedUphold Card USNot offered
Trust & availability
6 fields- Custody
- Fuse CardSelf-custodyUphold Card USCustodial
- Control until payment
- Fuse CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Fuse CardLead BankUphold Card USCross River Bank
- Card processing
- Fuse CardBridge Ventures LLC, Squads LabsUphold Card USNot disclosed
- Custody / key management
- Fuse CardNot disclosedUphold Card USUphold HQ Inc.
- Programme operator
- Fuse CardBridge Ventures LLCUphold Card USNot disclosed
Sources
2 fields- Official sources
- Fuse Card15Uphold Card US13
- Last reviewed
- Fuse CardAug 29, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 versus 70 for Uphold Card US. Fuse Card has the lower published FX fee (0% vs 0–1.5%). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Uphold Card US still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Fuse Card uses a self-controlled wallet setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Fuse Card lists more stablecoins and ways to send money out (3 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 Fuse Card and Uphold Card US reviews first.
Continue with
Fuse Card
Continue with
Uphold Card US
05 · Common questions
Fuse vs Uphold US FAQ
Is Fuse or Uphold US better overall?
Fuse Card has the higher Overall Score (74 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, Fuse or Uphold US?
Fuse Card has the lower published FX fee (0% 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, Fuse 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 Fuse and Uphold US differ on custody?
Fuse Card uses a self-controlled wallet setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Fuse vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.