Spritz FinanceSpritz
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Side-by-side card comparison
Spritz vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 8 points (70 vs 62). Spritz Card looks stronger for Funds control, while Uphold Card US comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Oct 14, 202654 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. Spritz Card may be the better fit for Funds control. 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.
OverallSpritz62Uphold US70Higher score
CashbackSpritz34Uphold US75Higher score
TravelSpritz46Uphold US71Higher score
Funds controlSpritz62Uphold US44Higher score
Lowest feesSpritz44Uphold US56Higher score
TransfersSpritz64Uphold US65Higher score
Choose Spritz Card if funds control matters most
Spritz Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, 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.
- 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
- Spritz62Uphold US70
Uphold Card US has the higher Overall Score by 8 points.
- Entry cost & FX
- Spritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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
- Spritz0% base · up to 5%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- SpritzHybrid custodyUphold USCustodial balance
Spritz Card uses a hybrid custody 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
- SpritzVirtual + 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
- Spritz0 stablecoins · Wallet-to-bank Off-RampUphold US0 stablecoins · US bank withdrawal
Uphold Card US lists more stablecoins and ways to send money out (2 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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
CardsSpritz CardOverall62Uphold Card USOverall70
Spritz CardOverall62Uphold Card USOverall70Scores
6 fields- Overall Score
- Spritz Card62Uphold Card US70
- Cashback score
- Spritz Card34Uphold Card US75
- Travel score
- Spritz Card46Uphold Card US71
- Funds control score
- Spritz Card62Uphold Card US44
- Lowest fees score
- Spritz Card44Uphold Card US56
- Transfers score
- Spritz Card64Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Spritz CardDirect crypto card top-up, Both major phone walletsUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Spritz CardATM use is not verified, Top-up fees vary by routeUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Spritz Card$0Uphold Card US$0
- FX fee
- Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may applyUphold Card US0–1.5%
- Top-up fee
- Spritz Card1–3%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Spritz Card0%Uphold Card USNot disclosed
- ATM fee
- Spritz CardNot disclosedUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Spritz CardNot disclosedUphold Card USFree on both plans
- Physical card
- Spritz CardNot disclosedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Spritz CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Spritz CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Spritz CardVisaUphold Card USVisa
- Card formats
- Spritz CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Spritz CardNot disclosedUphold Card USAvailable
- Mobile wallets
- Spritz CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Spritz CardiOSUphold Card USiOS, Android
- Daily spending limit
- Spritz CardNo provider-published daily spend capUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Spritz CardNot disclosedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Spritz CardNot verified for the current no-PIN cardUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6Uphold Card USNot disclosed
- Crypto deposits
- Spritz CardOther crypto: Crypto top-upUphold Card USNot disclosed
- Fiat deposits
- Spritz CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Spritz CardWallet-to-bank Off-RampUphold Card USUS bank withdrawal
- Payout currencies
- Spritz CardUSD, CAD, GBP, EURUphold Card USUSD
Rewards
3 fields- Base cashback
- Spritz Card0%Uphold Card US2%
- Max cashback
- Spritz Card5%Uphold Card US4%
- Reward currency
- Spritz CardSpritz CreditsUphold Card USXRP
Earn
5 fields- Advertised APY
- Spritz CardNot offeredUphold Card USNot offered
- How it works
- Spritz CardNot offeredUphold Card USNot offered
- Separate deposit
- Spritz CardNot offeredUphold Card USNot offered
- Use balance for spending
- Spritz CardNot offeredUphold Card USNot offered
- Lock-up
- Spritz CardNot offeredUphold Card USNot offered
Trust & availability
5 fields- Custody
- Spritz CardHybrid custodyUphold Card USCustodial
- Control until payment
- Spritz CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Spritz CardNot disclosedUphold Card USCross River Bank
- Card processing
- Spritz CardRainUphold Card USNot disclosed
- Custody / key management
- Spritz CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Spritz Card41Uphold Card US13
- Last reviewed
- Spritz CardAug 28, 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 Spritz 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%).
Spritz Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Spritz Card uses a hybrid custody 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.
Uphold Card US lists more stablecoins and ways to send money out (2 vs 1). 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 Spritz Card and Uphold Card US reviews first.
Continue with
Spritz Card
Continue with
Uphold Card US
05 · Common questions
Spritz vs Uphold US FAQ
Is Spritz 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, Spritz 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, Spritz 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 Spritz and Uphold US differ on custody?
Spritz Card uses a hybrid custody 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 Spritz vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.