Uphold / Optimus Cards UK Limited · MASTERCARD
Available
A UK Mastercard spending cash or crypto from an Uphold account, with rewards only on cash-funded purchases.
Observed 2026-10-05
The current Help Center says 1% cashback applies only when eligible purchases use a GBP balance, with a £100 monthly cap, £1 minimum rollover and payout within 15 days after month-end. UK card terms say the promotion extends month to month at Uphold's discretion.
Uphold Support ↗A plan with verified numerical rules has not yet been recorded for this profile.
Each source states what it documents and when it was checked. An older reference does not confirm every current cost.
Current UK Mastercard product, virtual/physical formats, no setup or annual fee, no advertised purchase foreign-transaction fee, GBP-funded rewards, crypto conversion at market rate plus standard trading fees, mobile wallets, eligibility and e-money safeguarding boundary.
Checked 2026-10-05
The support article lists U.S. and UK residence scope, U.S. state/territory exclusions, and UK Crown Dependency and British Overseas Territory exceptions. Registered address and account eligibility apply; the UK card page separately excludes business accounts.
Checked 2026-10-05
Current U.S. and UK physical/virtual issuance, funding, U.S. daily/monthly retail and ATM limits, U.S. plan-specific card/ATM/foreign-transaction charges, and UK retail/ATM limits and charges. The guide lists Essential's U.S. foreign transaction fee as a flat $1.50, while the product page labels it 1.50%; confirm the charged unit in-app.
Checked 2026-10-05
Updated September 18, 2026: UK earns 1% GBP on purchases funded by a GBP balance, capped at £100/month and credited within 15 days after month-end with £1 minimum rollover. U.S. Essential earns 2% up to $120/month; Elite earns 4% on crypto/metals or 3% on fiat/stablecoins up to $300/month. U.S. rewards pay within 10 business days with $1 minimum rollover. Listed reward categories are excluded.
Checked 2026-10-05
UK agreement names Optimus Cards UK Limited as card issuer; confirms UK-resident personal eligibility, GBP/EUR/USD prepaid Mastercard, purchase currency-conversion terms that may include a rate margin, £9.95 physical card, £2.50 UK/EU or £3.50 elsewhere ATM fees, transaction limits, and month-to-month cashback promotion terms.
Checked 2026-10-05
Uphold's separate cryptoasset and commodity service-fee disclosure. Card purchases funded with crypto or metals may incur conversion/trading fees in addition to card fees; check the rate presented in-app.
Checked 2026-10-05
