PionexPionex
57
Side-by-side card comparison
Pionex vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 13 points (70 vs 57). Pionex Card looks stronger for Lowest fees and Transfers, while Uphold Card US comes out ahead for Cashback, Travel, and Funds control.
Information checked Oct 14, 202672 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. Pionex Card may be the better fit for 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.
OverallPionex57Uphold US70Higher score
CashbackPionex52Uphold US75Higher score
TravelPionex29Uphold US71Higher score
Funds controlPionex43Uphold US44Higher score
Lowest feesPionex57Uphold US56Higher score
TransfersPionex79Uphold US65Higher score
Choose Pionex Card if lowest fees and transfers matter most
Pionex Card comes out ahead for 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, and Funds control 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
- Pionex57Uphold US70
Uphold Card US has the higher Overall Score by 13 points.
- Entry cost & FX
- Pionex$0 plan · Not disclosed FXUphold US$0 plan · 0–1.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Pionex0.1% base · up to 1%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0.1%).
- Funds control
- PionexCustodial balanceUphold USCustodial balance
Pionex Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- PionexVirtual · 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
- Pionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outUphold US0 stablecoins · US bank withdrawal
Pionex Card lists more stablecoins and ways to send money out (4 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, 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
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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
CardsPionex CardOverall57Uphold Card USOverall70
Pionex CardOverall57Uphold Card USOverall70Scores
6 fields- Overall Score
- Pionex Card57Uphold Card US70
- Cashback score
- Pionex Card52Uphold Card US75
- Travel score
- Pionex Card29Uphold Card US71
- Funds control score
- Pionex Card43Uphold Card US44
- Lowest fees score
- Pionex Card57Uphold Card US56
- Transfers score
- Pionex Card79Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Pionex CardVisa and Mastercard options, 0.1%-1% cashback in USDTUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Pionex CardMastercard can cost up to 3.5%, General access is virtual-onlyUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Pionex Card$0Uphold Card US$0
- FX fee
- Pionex CardNot disclosedUphold Card US0–1.5%
- Top-up fee
- Pionex CardNot disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Pionex Card3.5%Uphold Card USNot disclosed
- ATM fee
- Pionex CardNot availableUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Pionex CardAvailableUphold Card USFree on both plans
- Physical card
- Pionex CardNot availableUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Pionex Card2 plans: Mastercard, VisaUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Pionex CardVisa: 1%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Pionex CardVisa/MastercardUphold Card USVisa
- Card formats
- Pionex CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Pionex CardNot availableUphold Card USAvailable
- Mobile wallets
- Pionex CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Pionex CardNot disclosedUphold Card USiOS, Android
- Daily spending limit
- Pionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on networkUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Pionex Card$50,000-$100,000/month depending on networkUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Pionex CardNot availableUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Pionex CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Pionex CardOther crypto: Supported cryptoUphold Card USNot disclosed
- Fiat deposits
- Pionex CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Pionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outUphold Card USUS bank withdrawal
- Payout currencies
- Pionex CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Pionex Card0.1%Uphold Card US2%
- Max cashback
- Pionex Card1%Uphold Card US4%
- Reward currency
- Pionex CardUSDTUphold Card USXRP
Earn
5 fields- Advertised APY
- Pionex CardUp to 5% APYUphold Card USNot offered
- How it works
- Pionex CardEarn on spending balanceUphold Card USNot offered
- Separate deposit
- Pionex CardNoUphold Card USNot offered
- Use balance for spending
- Pionex CardYesUphold Card USNot offered
- Lock-up
- Pionex CardNoUphold Card USNot offered
Trust & availability
4 fields- Custody
- Pionex CardCustodialUphold Card USCustodial
- Control until payment
- Pionex CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Pionex CardNot disclosedUphold Card USCross River Bank
- Custody / key management
- Pionex CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Pionex Card59Uphold Card US13
- Last reviewed
- Pionex CardAug 14, 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 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Uphold Card US has the higher published base cashback rate (2% vs 0.1%).
Pionex Card still comes out ahead for Lowest fees and Transfers, which may matter more than the overall result if that is how you plan to use the card. Pionex Card and Uphold Card US use the same custodial balance setup.
Pionex Card lists more stablecoins and ways to send money out (4 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 Pionex Card and Uphold Card US reviews first.
Continue with
Pionex Card
Continue with
Uphold Card US
05 · Common questions
Pionex vs Uphold US FAQ
Is Pionex 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, Pionex or Uphold US?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Pionex or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 0.1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Pionex and Uphold US differ on custody?
Pionex Card and Uphold Card US use the same custodial balance setup.
How current is this Pionex vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 72 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.