MPChatMPChat
52
Side-by-side card comparison
MPChat vs Uphold US: where the score gap comes from
Uphold Card US has the higher Overall Score by 18 points (70 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Oct 14, 202643 official sources reviewed
01 · Where the gap opens
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. MPChat 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.
OverallMPChat52Uphold US70Higher score
CashbackMPChat18Uphold US75Compare the details below
TravelMPChat72Uphold US71Compare the details below
Funds controlMPChat41Uphold US44Compare the details below
Lowest feesMPChat60Uphold US56Compare the details below
TransfersMPChat58Uphold US65Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat 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. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Uphold Card US if its day-to-day setup suits you
Uphold Card US 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. Read the side-by-side details before deciding.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Uphold US70
Uphold Card US has the higher Overall Score by 18 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXUphold US$0 plan · 0–1.5% FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1.5%).
- Purchase rewards
- MPChatNot 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
- MPChatCustodial balanceUphold USCustodial balance
MPChat Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- MPChatVirtual + Physical · Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersUphold US0 stablecoins · US bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Uphold Card US
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Uphold Card USOverall70
MPChat CardOverall52Uphold Card USOverall70Scores
6 fields- Overall Score
- MPChat Card52Uphold Card US70
- Cashback score
- MPChat Card18Uphold Card US75
- Travel score
- MPChat Card72Uphold Card US71
- Funds control score
- MPChat Card41Uphold Card US44
- Lowest fees score
- MPChat Card60Uphold Card US56
- Transfers score
- MPChat Card58Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- MPChat Card$0Uphold Card US$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateUphold Card US0–1.5%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- MPChat Card$0.15 + 0.8%Uphold Card USNot disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- MPChat CardCloud: 10 USDT one timeUphold Card USFree on both plans
- Physical card
- MPChat CardBoundless: 100 USDT one timeUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardUphold Card US2 plans: Essential, Elite
- Top cashback plan
- MPChat CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- MPChat CardVisaUphold Card USVisa
- Card formats
- MPChat CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableUphold Card USAvailable
- Mobile wallets
- MPChat CardGoogle PayUphold Card USApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedUphold Card USiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Uphold Card USNot disclosed
- Crypto deposits
- MPChat CardStablecoins: USDTUphold Card USNot disclosed
- Fiat deposits
- MPChat CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- MPChat CardStablecoin transfersUphold Card USUS bank withdrawal
- Payout currencies
- MPChat CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedUphold Card US2%
- Max cashback
- MPChat CardNot disclosedUphold Card US4%
- Reward currency
- MPChat CardNot disclosedUphold Card USXRP
Earn
5 fields- Advertised APY
- MPChat CardNot offeredUphold Card USNot offered
- How it works
- MPChat CardNot offeredUphold Card USNot offered
- Separate deposit
- MPChat CardNot offeredUphold Card USNot offered
- Use balance for spending
- MPChat CardNot offeredUphold Card USNot offered
- Lock-up
- MPChat CardNot offeredUphold Card USNot offered
Trust & availability
4 fields- Custody
- MPChat CardCustodialUphold Card USCustodial
- Control until payment
- MPChat CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- MPChat CardNot disclosedUphold Card USCross River Bank
- Custody / key management
- MPChat CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- MPChat Card30Uphold Card US13
- Last reviewed
- MPChat CardSep 23, 2026Uphold Card USOct 14, 2026
04 · The verdict
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1.5%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card and Uphold Card US use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 MPChat Card and Uphold Card US reviews first.
Continue with
MPChat Card
Continue with
Uphold Card US
05 · Common questions
MPChat vs Uphold US FAQ
Is MPChat or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 52). 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, MPChat or Uphold US?
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate 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, MPChat 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 MPChat and Uphold US differ on custody?
MPChat Card and Uphold Card US use the same custodial balance setup.
How current is this MPChat vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.