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Uphold / Card review
Crypto payment card
Uphold Elite
US Visa debit card spending cash, crypto and metal balances held at Uphold.
Before you apply
Selected tier / planUS · 99.99 USD/yearUphold Elite
Select where you live, not your travel destination.
Choose your residence first
Important to check
- A listed country does not guarantee personal approval.
- Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Documents & application →Features & benefits
Paid US Uphold debit that removes foreign and ATM card fees.
- Rewards · first band
- 3% fiat/stablecoins; 4% crypto/metals
- Spending preferences
- Spend funded balance
- Custody model
- Service account / loaded balance
Read the conditions behind the figures · Fees & benefit conditions ↓
A good fit if
- For eligible US Uphold users with frequent foreign purchases or ATM use who prefer XRP rewards.
The tradeoff
- Costs USD99.99 yearly; advertised reward rates depend on funding asset and promotional period.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
How the card works
- US Visa debit card spending cash, crypto and metal balances held at Uphold.
View cards & plans4
Fees & benefit conditions
- Card issuance fee
- Metal included; annual fee separate
- Maintenance / subscription
- USD99.99 per year
- Foreign-currency fee
- 0% foreign transaction fee; FX conversion may apply
Read the conditions behind the figures
- USD99.99 renews annually.
- XRP rewards are 3% for fiat/stablecoins, 4% for crypto/metals, capped at USD300 monthly.
- Verify any promotional period in app.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
Documents & application
Documents to prepare
Check accepted ID and any address evidence in the application for your residence and program.
Steps on the official site or app
- Choose the residence-specific debit plan from the Uphold app Card tile.
- Select the funding asset with Change, then fund that balance via Transact.
- Order physical debit through Settings → Get physical card and activate only after delivery.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Full details & support
Full details
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- USD · stablecoins · 300+ crypto assets · metals
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Brand and custody
- Card issuer / operator
- Official confirmation needed
- Custody of funded balances
- Uphold account balances
Freeze the card and manage its PIN in the app; PIN access uses two-factor authentication.
An alternative to compare
For mostly domestic purchases, spend the same balances without an annual fee.
Check regional termsOfficial documentation & sources
Official sources
Rewards ↗
Fees ↗
UK debit ↗
Exa credit integration ↗
Official information · Uphold Elite ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026