UpholdUphold US
72
Side-by-side card comparison
Uphold US vs Decaf
Uphold Card US has the higher Overall Score by 8 points (72 vs 64). Uphold Card US looks stronger for Cashback, Travel, and Transfers, while Decaf Card comes out ahead for Funds control.
Latest check Oct 19, 202634 official sources reviewed
Uphold Card US
Best fit
- Spending assets already in Uphold without a separate card top-up.
- Trying Essential without an annual fee or a paid Elite subscription.
- Earning Essential's current 2% XRP reward, capped at $120/month.
Before you choose
- Advertised rates last three months from activation; later rates are unknown.
- Crypto sale fees can exceed cashback; BTC and ETH typically cost 2.05–2.2%.
- U.S. residents only; New York, Louisiana and U.S. territories are excluded.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsUphold Card USOverall72Decaf CardOverall64
Uphold Card USOverall72Decaf CardOverall64Scores
- Overall Score
- Uphold Card US72Decaf Card64
- Cashback score
- Uphold Card US76Decaf Card29
- Travel score
- Uphold Card US72Decaf Card60
- Funds control score
- Uphold Card US53Decaf Card63
- Lowest fees score
- Uphold Card US57Decaf Card57
- Transfers score
- Uphold Card US87Decaf Card70
Costs
- Plan cost
- Uphold Card US$0Decaf Card$0
- FX fee
- Uphold Card US0–1.5%Decaf Card1–2%
- Top-up fee
- Uphold Card USACH: no deposit fee; external card: 3.99%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Uphold Card USNot disclosedDecaf CardNot disclosed
- ATM fee
- Uphold Card USEssential: $2.95; Elite: $0Decaf Card0% Decaf markup
- Virtual card
- Uphold Card USFree on both plansDecaf Card$5
- Physical card
- Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual planDecaf Card$90 international / $10 US
Plans
- Available plans
- Uphold Card US2 plans: Essential, EliteDecaf CardNot disclosed
- Top cashback plan
- Uphold Card USElite: 3%Decaf CardNot disclosed
Everyday use
- Network
- Uphold Card USVisaDecaf CardVisa
- Card formats
- Uphold Card USVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Uphold Card USAvailableDecaf CardNot disclosed
- Mobile wallets
- Uphold Card USApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Uphold Card USiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Uphold Card USEssential: $2,500/day; Elite: $25,000/dayDecaf CardNot disclosed
- Monthly spending limit
- Uphold Card USEssential: $10,000/month; Elite: $100,000/monthDecaf CardNot disclosed
- ATM limit
- Uphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/monthDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Uphold Card USNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Uphold Card USOther crypto: BTC, ETHDecaf CardStablecoins: USDC
- Fiat deposits
- Uphold Card USLinked US bank account, USD bank transfer, External card depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Uphold Card USStablecoin transfers; US bank withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Uphold Card USUSDDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Uphold Card US2%Decaf CardNot disclosed
- Max cashback
- Uphold Card US4%Decaf CardNot disclosed
- Reward currency
- Uphold Card USXRPDecaf CardNot disclosed
Earn
- Advertised APY
- Uphold Card USNot offeredDecaf CardNot disclosed
- How it works
- Uphold Card USNot offeredDecaf CardOptional earn vault
- Separate deposit
- Uphold Card USNot offeredDecaf CardYes
- Use balance for spending
- Uphold Card USNot offeredDecaf CardNot disclosed
- Lock-up
- Uphold Card USNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Uphold Card USCustodialDecaf CardNon-custodial
- Control until payment
- Uphold Card USProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Uphold Card USCross River BankDecaf CardThird National, Inc.
- Card processing
- Uphold Card USNot disclosedDecaf CardRain
- Custody / key management
- Uphold Card USUphold HQ Inc.Decaf CardNot disclosed
- Deposits & withdrawals
- Uphold Card USNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Uphold Card US13Decaf Card21
- Last reviewed
- Uphold Card USOct 17, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Uphold US or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Uphold US lists 0–1.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Uphold US has reviewed routes in USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Uphold US's reviewed deposit assets include BTC, ETH; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Uphold US vs Decaf FAQ
Is Uphold US or Decaf better overall?
Uphold Card US has the higher Overall Score (72 vs 64). 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, Uphold US or Decaf?
Uphold Card US has the lower published FX fee (0–1.5% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Uphold US or Decaf?
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 Uphold US and Decaf differ on custody?
Uphold Card US uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Uphold US vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.