XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 2 points (70 vs 68). XPlace Card looks stronger for Funds control and Lowest fees, while Uphold Card US comes out ahead for Cashback, Travel, and Transfers.
Information checked Oct 14, 202640 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. XPlace Card may be the better fit for Funds control 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.
OverallXPlace68Uphold US70Higher score
CashbackXPlace49Uphold US75Higher score
TravelXPlace65Uphold US71Higher score
Funds controlXPlace67Uphold US44Higher score
Lowest feesXPlace65Uphold US56Higher score
TransfersXPlace62Uphold US65Higher score
Choose XPlace Card if funds control and lowest fees matter most
XPlace Card comes out ahead for Funds control 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, 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
- XPlace68Uphold US70
Uphold Card US has the higher Overall Score by 2 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXUphold US$0 plan · 0–1.5% FX
XPlace Card has the lower published FX fee (0–1% vs 0–1.5%).
- Purchase rewards
- XPlace0.5% base · up to 2%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- XPlaceHybrid custodyUphold USCustodial balance
XPlace 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
- XPlaceVirtual + 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
- XPlace2 stablecoins · Stablecoin transfersUphold US0 stablecoins · US bank withdrawal
XPlace Card lists more stablecoins and ways to send money out (3 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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- 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
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
CardsXPlace CardOverall68Uphold Card USOverall70
XPlace CardOverall68Uphold Card USOverall70Scores
6 fields- Overall Score
- XPlace Card68Uphold Card US70
- Cashback score
- XPlace Card49Uphold Card US75
- Travel score
- XPlace Card65Uphold Card US71
- Funds control score
- XPlace Card67Uphold Card US44
- Lowest fees score
- XPlace Card65Uphold Card US56
- Transfers score
- XPlace Card62Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- XPlace Card$0Uphold Card US$0
- FX fee
- XPlace Card0–1%Uphold Card US0–1.5%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- XPlace Card0%Uphold Card USNot disclosed
- ATM fee
- XPlace CardNot availableUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- XPlace CardNot disclosedUphold Card USFree on both plans
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumUphold Card US2 plans: Essential, Elite
- Top cashback plan
- XPlace CardPlatinum: 2%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- XPlace CardVisaUphold Card USVisa
- Card formats
- XPlace CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- XPlace CardNot disclosedUphold Card USAvailable
- Mobile wallets
- XPlace CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- XPlace CardNot available while only the virtual card is liveUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- XPlace CardSolanaUphold Card USNot disclosed
- Crypto deposits
- XPlace CardStablecoins: USDCUphold Card USNot disclosed
- Fiat deposits
- XPlace CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- XPlace CardStablecoin transfersUphold Card USUS bank withdrawal
- Payout currencies
- XPlace CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- XPlace Card0.5%Uphold Card US2%
- Max cashback
- XPlace Card2%Uphold Card US4%
- Reward currency
- XPlace CardUSDCUphold Card USXRP
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYUphold Card USNot offered
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultUphold Card USNot offered
- Separate deposit
- XPlace CardYesUphold Card USNot offered
- Use balance for spending
- XPlace CardNoUphold Card USNot offered
- Lock-up
- XPlace CardNoUphold Card USNot offered
Trust & availability
6 fields- Custody
- XPlace CardHybrid custodyUphold Card USCustodial
- Control until payment
- XPlace CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- XPlace CardThird NationalUphold Card USCross River Bank
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Uphold Card USNot disclosed
- Custody / key management
- XPlace CardNot disclosedUphold Card USUphold HQ Inc.
- Identity verification
- XPlace CardSumsubUphold Card USNot disclosed
Sources
2 fields- Official sources
- XPlace Card27Uphold Card US13
- Last reviewed
- XPlace CardSep 20, 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 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs 0–1.5%). Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
XPlace Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. XPlace 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.
XPlace Card lists more stablecoins and ways to send money out (3 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 XPlace Card and Uphold Card US reviews first.
Continue with
XPlace Card
Continue with
Uphold Card US
05 · Common questions
XPlace vs Uphold US FAQ
Is XPlace or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 68). 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, XPlace or Uphold US?
XPlace Card has the lower published FX fee (0–1% vs 0–1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, XPlace or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and Uphold US differ on custody?
XPlace 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 XPlace vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.