TangemTangem
79
Side-by-side card comparison
Tangem vs Uphold US: overall score versus use-case fit
Tangem Card has the higher Overall Score by 9 points (79 vs 70). Tangem Card looks stronger for Funds control and Transfers, while Uphold Card US comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Oct 16, 202633 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Uphold Card US may be the better fit for Cashback, Travel, and Lowest fees. 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.
OverallTangem79Uphold US70Higher score
CashbackTangem74Uphold US75Higher score
TravelTangem64Uphold US71Higher score
Funds controlTangem90Uphold US44Higher score
Lowest feesTangem54Uphold US56Higher score
TransfersTangem91Uphold US65Higher score
Choose Tangem Card if funds control and transfers matter most
Tangem Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, and Lowest fees 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
- Tangem79Uphold US70
Tangem Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1%).
- Funds control
- TangemHybrid custodyUphold USCustodial balance
Tangem 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
- TangemVirtual + 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
- Tangem2 stablecoins · Stablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalUphold US0 stablecoins · US bank withdrawal
Tangem 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
CardsTangem CardOverall79Uphold Card USOverall70
Tangem CardOverall79Uphold Card USOverall70Scores
6 fields- Overall Score
- Tangem Card79Uphold Card US70
- Cashback score
- Tangem Card74Uphold Card US75
- Travel score
- Tangem Card64Uphold Card US71
- Funds control score
- Tangem Card90Uphold Card US44
- Lowest fees score
- Tangem Card54Uphold Card US56
- Transfers score
- Tangem Card91Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Uphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Tangem Card$0Uphold Card US$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownUphold Card US0–1.5%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Tangem Card0%Uphold Card USNot disclosed
- ATM fee
- Tangem Card2–4%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Tangem Card$0 for the first virtual cardUphold Card USFree on both plans
- Physical card
- Tangem CardBasic: destination-dependent delivery shown before order; Plus: first physical delivery freeUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Tangem CardPlus: 2%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Tangem CardVisaUphold Card USVisa
- Card formats
- Tangem CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableUphold Card USAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumUphold Card USNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTUphold Card USNot disclosed
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Tangem CardStablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalUphold Card USUS bank withdrawal
- Payout currencies
- Tangem CardUSD, USDCUphold Card USUSD
Rewards
3 fields- Base cashback
- Tangem Card1%Uphold Card US2%
- Max cashback
- Tangem Card2%Uphold Card US4%
- Reward currency
- Tangem CardUSDCUphold Card USXRP
Earn
5 fields- Advertised APY
- Tangem CardNot offeredUphold Card USNot offered
- How it works
- Tangem CardNot offeredUphold Card USNot offered
- Separate deposit
- Tangem CardNot offeredUphold Card USNot offered
- Use balance for spending
- Tangem CardNot offeredUphold Card USNot offered
- Lock-up
- Tangem CardNot offeredUphold Card USNot offered
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyUphold Card USCustodial
- Control until payment
- Tangem CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Tangem CardThird NationalUphold Card USCross River Bank
- Card processing
- Tangem CardPaera LLCUphold Card USNot disclosed
- Custody / key management
- Tangem CardNot disclosedUphold Card USUphold HQ Inc.
- Identity verification
- Tangem CardSumsubUphold Card USNot disclosed
Sources
2 fields- Official sources
- Tangem Card20Uphold Card US13
- Last reviewed
- Tangem CardOct 16, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 79 versus 70 for Uphold Card US. 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 1%).
Uphold Card US still comes out ahead for Cashback, Travel, and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Tangem 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.
Tangem 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 Tangem Card and Uphold Card US reviews first.
Continue with
Tangem Card
Continue with
Uphold Card US
05 · Common questions
Tangem vs Uphold US FAQ
Is Tangem or Uphold US better overall?
Tangem Card has the higher Overall Score (79 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, Tangem 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, Tangem or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and Uphold US differ on custody?
Tangem 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 Tangem vs Uphold US comparison?
The latest information check for these two cards was October 16, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.