KrakKrak
74
Side-by-side card comparison
Krak vs Uphold US: overall score versus use-case fit
Krak Card has the higher Overall Score by 4 points (74 vs 70). Krak Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback.
Information checked Oct 16, 202639 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Uphold Card US may be the better fit for Cashback. 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.
OverallKrak74Uphold US70Higher score
CashbackKrak41Uphold US75Higher score
TravelKrak83Uphold US71Higher score
Funds controlKrak56Uphold US44Higher score
Lowest feesKrak72Uphold US56Higher score
TransfersKrak97Uphold US65Higher score
Choose Krak Card if travel and funds control matter most
Krak Card comes out ahead for 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.
- No monthly fee; regional FX is 0–1%
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Uphold Card US if cashback matters most
Uphold Card US comes out ahead for Cashback 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
- Krak74Uphold US70
Krak Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXUphold US$0 plan · 0–1.5% FX
Krak Card has the lower published FX fee (0–1% vs 0–1.5%).
- Purchase rewards
- Krak0% base · up to 2%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- KrakCustodial balanceUphold USCustodial balance
Krak Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- KrakVirtual + 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
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAUphold US0 stablecoins · US bank withdrawal
Krak Card lists more stablecoins and ways to send money out (5 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%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 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
CardsKrak CardOverall74Uphold Card USOverall70
Krak CardOverall74Uphold Card USOverall70Scores
6 fields- Overall Score
- Krak Card74Uphold Card US70
- Cashback score
- Krak Card41Uphold Card US75
- Travel score
- Krak Card83Uphold Card US71
- Funds control score
- Krak Card56Uphold Card US44
- Lowest fees score
- Krak Card72Uphold Card US56
- Transfers score
- Krak Card97Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly fee; regional FX is 0–1%, Both card formats and phone walletsUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Krak Card$0Uphold Card US$0
- FX fee
- Krak Card0–1%Uphold Card US0–1.5%
- Top-up fee
- Krak CardNot disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Krak Card0%Uphold Card USNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Krak CardFreeUphold Card USFree on both plans
- Physical card
- Krak CardPlastic £0/€0/$0. UK/EEA metal threshold £/€50,000; US metal threshold conflicts between $50,000 pricing and a $75,000 announcement. Confirm eligibility in app.Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Krak Card10 plans: Starter, Lite, Pro, Elite +6Uphold Card US2 plans: Essential, Elite
- Top cashback plan
- Krak CardMax: 2%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaUphold Card USVisa
- Card formats
- Krak CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Krak CardAvailableUphold Card USAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoUphold Card USNot disclosed
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAUphold Card USUS bank withdrawal
- Payout currencies
- Krak CardGBP, EURUphold Card USUSD
Rewards
3 fields- Base cashback
- Krak Card0%Uphold Card US2%
- Max cashback
- Krak Card2%Uphold Card US4%
- Reward currency
- Krak CardGBP, EUR, USD or BTCUphold Card USXRP
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYUphold Card USNot offered
- How it works
- Krak CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Krak CardYesUphold Card USNot offered
- Use balance for spending
- Krak CardNoUphold Card USNot offered
- Lock-up
- Krak CardNot disclosedUphold Card USNot offered
Trust & availability
6 fields- Custody
- Krak CardCustodialUphold Card USCustodial
- Control until payment
- Krak CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateUphold Card USCross River Bank
- Card processing
- Krak CardStripeUphold Card USNot disclosed
- Custody / key management
- Krak CardNot disclosedUphold Card USUphold HQ Inc.
- Programme operator
- Krak CardPayward Wallet, Inc.Uphold Card USNot disclosed
Sources
2 fields- Official sources
- Krak Card26Uphold Card US13
- Last reviewed
- Krak CardOct 16, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 70 for Uphold Card US. Krak Card has the lower published FX fee (0–1% 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, which may matter more than the overall result if that is how you plan to use the card. Krak Card and Uphold Card US use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 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 Krak Card and Uphold Card US reviews first.
Continue with
Krak Card
Continue with
Uphold Card US
05 · Common questions
Krak vs Uphold US FAQ
Is Krak or Uphold US better overall?
Krak 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, Krak or Uphold US?
Krak Card has the lower published FX fee (0–1% 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, Krak 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 Krak and Uphold US differ on custody?
Krak Card and Uphold Card US use the same custodial balance setup.
How current is this Krak vs Uphold US comparison?
The latest information check for these two cards was October 16, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.