PayyPayy
62
Side-by-side card comparison
Payy vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 8 points (70 vs 62). Payy 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, 202618 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control, Lowest fees, and Transfers. 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.
OverallPayy62Uphold US70Higher score
CashbackPayy17Uphold US75Higher score
TravelPayy27Uphold US71Higher score
Funds controlPayy97Uphold US44Higher score
Lowest feesPayy57Uphold US56Higher score
TransfersPayy68Uphold US65Higher score
Choose Payy Card if funds control and lowest fees matter most
Payy 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.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
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
- Payy62Uphold US70
Uphold Card US has the higher Overall Score by 8 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 1–3%).
- Purchase rewards
- Payy0% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- PayySelf-controlled walletUphold USCustodial balance
Payy 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
- PayyVirtual · Apple Pay, Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksUphold US0 stablecoins · US bank withdrawal
Payy 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
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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
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
CardsPayy CardOverall62Uphold Card USOverall70
Payy CardOverall62Uphold Card USOverall70Scores
6 fields- Overall Score
- Payy Card62Uphold Card US70
- Cashback score
- Payy Card17Uphold Card US75
- Travel score
- Payy Card27Uphold Card US71
- Funds control score
- Payy Card97Uphold Card US44
- Lowest fees score
- Payy Card57Uphold Card US56
- Transfers score
- Payy Card68Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Payy Card$0Uphold Card US$0
- FX fee
- Payy Card1–3%Uphold Card US0–1.5%
- Top-up fee
- Payy Card0%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Payy Card0%Uphold Card USNot disclosed
- ATM fee
- Payy CardNot availableUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Payy CardFree; instant after KYCUphold Card USFree on both plans
- Physical card
- Payy CardNot disclosedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Payy CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Payy CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkUphold Card USVisa
- Card formats
- Payy CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Payy CardNot availableUphold Card USAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Payy CardNot disclosedUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Payy CardNot disclosedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Payy CardNot disclosedUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkUphold Card USNot disclosed
- Crypto deposits
- Payy CardStablecoins: USDCUphold Card USNot disclosed
- Fiat deposits
- Payy CardBank-account depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Payy CardStablecoin transfers; Payy payment linksUphold Card USUS bank withdrawal
- Payout currencies
- Payy CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Payy Card0%Uphold Card US2%
- Max cashback
- Payy Card0%Uphold Card US4%
- Reward currency
- Payy CardNo cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Payy CardNot offeredUphold Card USNot offered
- How it works
- Payy CardNot offeredUphold Card USNot offered
- Separate deposit
- Payy CardNot offeredUphold Card USNot offered
- Use balance for spending
- Payy CardNot offeredUphold Card USNot offered
- Lock-up
- Payy CardNot offeredUphold Card USNot offered
Trust & availability
5 fields- Custody
- Payy CardSelf-custodyUphold Card USCustodial
- Control until payment
- Payy CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Payy CardThird National / RainUphold Card USCross River Bank
- Card processing
- Payy CardRainUphold Card USNot disclosed
- Custody / key management
- Payy CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Payy Card5Uphold Card US13
- Last reviewed
- Payy CardAug 5, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 62 for Payy Card. Uphold Card US has the lower published FX fee (0–1.5% vs 1–3%). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Payy Card still comes out ahead for Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Payy 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.
Payy 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 Payy Card and Uphold Card US reviews first.
Continue with
Payy Card
Continue with
Uphold Card US
05 · Common questions
Payy vs Uphold US FAQ
Is Payy or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 62). 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, Payy or Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Payy 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 Payy and Uphold US differ on custody?
Payy 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 Payy vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 18 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.