Uphold / Cross River Bank · VISA
Available
A US-only Visa that spends dollars, stablecoins, or crypto from an Uphold wallet.
Observed 2026-10-05
The U.S. card page says Essential costs 1.50% per foreign transaction. The current support guide and cardholder fee schedule describe a flat $1.50; Elite lists $0. Verify the Essential fee shown for the card before calculating cross-border costs.
Uphold ↗Observed 2026-10-05
Current terms list 4% Elite rewards on crypto/metals or 3% on fiat/stablecoins, capped at $300/month, and 2% Essential capped at $120/month. Payout is monthly with a $1 minimum rollover; the product page limits eligible activations from January 1, 2026 to a three-month reward period. This is a promotion, not standing cashback.
Uphold ↗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.
U.S. Essential and Elite product, fees, card funding and purchase reward promotion. The page labels Essential foreign transaction cost as 1.50%, but the current support guide and cardholder fee schedule specify a flat $1.50; reward value is available for three months after activation for eligible cards activated from January 1, 2026.
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
Current U.S. card agreement identifies Cross River Bank as issuer; schedule lists $4.99/$0 issuance, $0/$99.99 annual fee, $1.50 flat Essential/$0 Elite foreign transaction fee, $2.95/$0 ATM fee, and replacement fees. Only USD fiat balances at Cross River Bank qualify for stated FDIC pass-through coverage; crypto and metals are excluded.
Checked 2026-10-05
Terms last updated September 7, 2026 define the U.S. rewards as a limited-time promotion, cap Elite at $300/month and Essential at $120/month, list excluded transactions, and require a verified account in good standing and eligible state. Monthly rewards are issued within ten business days after month-end with a $1 minimum rollover. Current product-page footnote limits qualifying activation reward value to three months.
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
