Issuer referenceCrypto cardVisa

Uphold US Debit Card

A US-only Visa that spends dollars, stablecoins, or crypto from an Uphold wallet.

Uphold US Debit CardVisa

The US Uphold Debit Card is a custodial Visa with Essential and Elite plans. It can use USD, stablecoins, crypto, or metals held in an Uphold wallet, with virtual and physical formats and Apple Pay or Google Pay support. Fees differ sharply by plan, crypto spending can create a taxable disposal and trading charges, and the headline XRP rewards are a time-limited three-month promotion rather than standing cashback.

Go to official site View all cardsReviewed 2026-08

Rewards

0-4% XRP promotional reward

Fees

Essential: $0 annual fee; Elite: $99.99 annual fee

Custody

Custodial

Eligibility

US residents in eligible states and Washington, D.C.; unavailable in Louisiana, New York, and US territories under the current programme.

Fees

Monthly feeEssential: $0 annual fee; Elite: $99.99 annual fee

IssuanceVirtual card: $0; Essential physical: $4.99; Elite metal physical: $0

FXEssential foreign transaction fee: 1.50%; Elite: 0%, before any asset-sale or trading charges

ATMEssential: $2.95; Elite: $0, before any ATM-operator charge

Top-upsSpend USD or supported wallet assets funded by bank transfer, direct deposit, PayPal, or crypto deposit; crypto use can be a taxable sale and can incur trading or service fees

Rewards

Current US terms advertise up to 4% for Elite crypto or metals spending, 3% for Elite fiat or stablecoin spending, and 2% for Essential, but the reward value lasts only three months after qualifying activation and monthly caps apply. It is not a permanent cashback rate.

Availability

US residents in eligible states and Washington, D.C.; unavailable in Louisiana, New York, and US territories under the current programme.

United States

Official sources

Uphold US debit cardCurrent US Visa availability, asset funding, Essential and Elite fees, mobile wallets, tax warning, and three-month XRP reward boundary.Uphold Card eligibilityCurrent US residency, state and territory exclusions, identity-verification, and Apple Pay and Google Pay boundaries.Managing the Uphold Debit CardCurrent preferred asset selection, US virtual and physical fees, ATM fees, and foreign-transaction fees by plan.Uphold US cardholder agreementControlling US card programme terms and fee schedule.

Pros & cons

Pros

Spends USD or more than 300 supported digital assets
Virtual and physical Visa
Apple Pay and Google Pay
No credit check
Essential and Elite plan choice

Cons

Only eligible US residents
Unavailable in Louisiana, New York, and US territories
Custodial account and KYC required
Crypto spending can trigger tax and trading costs
Headline rewards are temporary and capped

Best for

Eligible US Uphold users
Users choosing among fiat, stablecoin, and crypto funding
People who compare Essential and Elite total costs

Alternatives

Coinbase One Card

Check official terms

Crypto.com Visa

Check official terms

Uphold UK Card

Check official terms

Wirex

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly feeEssential: $0 annual fee; Elite: $99.99 annual fee

IssuanceVirtual card: $0; Essential physical: $4.99; Elite metal physical: $0

FXEssential foreign transaction fee: 1.50%; Elite: 0%, before any asset-sale or trading charges

ATMEssential: $2.95; Elite: $0, before any ATM-operator charge

Top-upsSpend USD or supported wallet assets funded by bank transfer, direct deposit, PayPal, or crypto deposit; crypto use can be a taxable sale and can incur trading or service fees

Pros & cons

Pros

Spends USD or more than 300 supported digital assets
Virtual and physical Visa
Apple Pay and Google Pay
No credit check
Essential and Elite plan choice

Cons

Only eligible US residents
Unavailable in Louisiana, New York, and US territories
Custodial account and KYC required
Crypto spending can trigger tax and trading costs
Headline rewards are temporary and capped