Xapo BankXapo
70
Side-by-side card comparison
Xapo vs Uphold US: same score, different trade-offs
Xapo Card and Uphold Card US share an Overall Score of 70. Xapo Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback.
Information checked Oct 14, 202634 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Xapo Card and Uphold Card US have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallXapo70Uphold US70Same score
CashbackXapo24Uphold US75Higher score
TravelXapo91Uphold US71Higher score
Funds controlXapo64Uphold US44Higher score
Lowest feesXapo78Uphold US56Higher score
TransfersXapo100Uphold US65Higher score
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
Choose Uphold Card US if cashback matters most
Uphold Card US comes out ahead for Cashback 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Xapo70Uphold US70
Both cards have the same displayed Overall Score of 70.
- Entry cost & FX
- Xapo$1,000/year plan · 0–0.29% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Xapo0% base · up to 3%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- XapoCustodial balanceUphold USCustodial balance
Xapo Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- XapoVirtual + Physical · UnknownUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Xapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutUphold US0 stablecoins · US bank withdrawal
Xapo Card lists more stablecoins and ways to send money out (8 vs 2).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsXapo CardOverall70Uphold Card USOverall70
Xapo CardOverall70Uphold Card USOverall70Scores
6 fields- Overall Score
- Xapo Card70Uphold Card US70
- Cashback score
- Xapo Card24Uphold Card US75
- Travel score
- Xapo Card91Uphold Card US71
- Funds control score
- Xapo Card64Uphold Card US44
- Lowest fees score
- Xapo Card78Uphold Card US56
- Transfers score
- Xapo Card100Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto railsUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguouslyUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Xapo Card$1,000/yearUphold Card US$0
- FX fee
- Xapo Card0–0.29%Uphold Card US0–1.5%
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Xapo Card0%Uphold Card USNot disclosed
- ATM fee
- Xapo Card0–2%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedUphold Card USFree on both plans
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membershipUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Xapo CardXapo Bank membership: 0%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Xapo CardVisa/MastercardUphold Card USVisa
- Card formats
- Xapo CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Xapo CardAvailableUphold Card USAvailable
- Mobile wallets
- Xapo CardNot disclosedUphold Card USApple Pay, Google Pay
- Apps
- Xapo CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaUphold Card USNot disclosed
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCUphold Card USNot disclosed
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutUphold Card USUS bank withdrawal
- Payout currencies
- Xapo CardUSD, GBP, EURUphold Card USUSD
Rewards
3 fields- Base cashback
- Xapo Card0%Uphold Card US2%
- Max cashback
- Xapo Card3%Uphold Card US4%
- Reward currency
- Xapo CardBTCUphold Card USXRP
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APYUphold Card USNot offered
- How it works
- Xapo CardEarn on spending balanceUphold Card USNot offered
- Separate deposit
- Xapo CardNoUphold Card USNot offered
- Use balance for spending
- Xapo CardYesUphold Card USNot offered
- Lock-up
- Xapo CardNoUphold Card USNot offered
Trust & availability
5 fields- Custody
- Xapo CardCustodialUphold Card USCustodial
- Control until payment
- Xapo CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Xapo CardTransact Payments Malta LimitedUphold Card USCross River Bank
- Custody / key management
- Xapo CardNot disclosedUphold Card USUphold HQ Inc.
- Bank transfers
- Xapo CardXapo Bank LimitedUphold Card USNot disclosed
Sources
2 fields- Official sources
- Xapo Card21Uphold Card US13
- Last reviewed
- Xapo CardSep 1, 2026Uphold Card USOct 14, 2026
04 · The closer call
Xapo Card and Uphold Card US need a closer personal call
The Overall Score ends level at 70, so there is no honest all-round winner here. Uphold Card US has the lower starting plan cost ($0 vs $1,000/year). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Xapo Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback. Xapo Card and Uphold Card US use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 2). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Xapo Card and Uphold Card US reviews first.
Continue with
Xapo Card
Continue with
Uphold Card US
05 · Common questions
Xapo vs Uphold US FAQ
Is Xapo or Uphold US better overall?
Xapo Card and Uphold Card US tie at 70 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Xapo or Uphold US?
Uphold Card US has the lower starting plan cost ($0 vs $1,000/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Xapo 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 Xapo and Uphold US differ on custody?
Xapo Card and Uphold Card US use the same custodial balance setup.
How current is this Xapo vs Uphold US comparison?
The latest information check for these two cards was October 14, 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.