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Uphold / Card review
Crypto payment card
Uphold Essential
US Visa debit card spending cash, crypto and metal balances held at Uphold.
- Rewards · first band
- 2% XRP · 120 USD monthly cap
- Foreign-currency fee
- Official sources differ; verify final fee
- Card issuance fee
- Virtual free; physical 4.99 USD
- Maintenance / subscription
- 0 USD annual fee
Your selected card: before you apply.
Selected tier / planUS · no annual feeUphold Essential
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- Virtual free; physical 4.99 USD
Maintenance / subscription: 0 USD annual fee
Items to verify and where to check · 1
- Foreign-currency feeOfficial sources differ; verify final feeUS product table says 1.50%; official help says a flat USD1.50 per foreign transaction, with possible separate FX fees. These different units remain unresolved.
Fields reviewed · 2026-09-09
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.
Why choose this card
US XRP rewards debit without an annual fee.
A good fit if
For US residents outside LA, NY and territories who want to spend existing Uphold balances.
The tradeoff
Advertised reward rates last three months after activation; foreign purchases and ATMs add fees.
When foreign/ATM fee savings justify USD99.99 annually under the same US eligibility.
Check regional termsOfficial sources · 2026.09.08
Uphold US debit plans ↗View cards & plans4
Fees & rewards
US · no annual fee
- Rewards · first band
- 2% XRP · 120 USD monthly cap
- Foreign-currency fee
- Official sources differ; verify final fee
- Card issuance fee
- Virtual free; physical 4.99 USD
- Maintenance / subscription
- 0 USD annual fee
Read the conditions behind the figures
Foreign fee conflicts: product page 1.50% versus help page flat USD1.50. Rewards cap at USD120 monthly; crypto/metals funding incurs separate service fees.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend funded balance · USD / stablecoins / 300+ crypto assets / metals
Select the funding asset with Change, then fund that balance via Transact.
Before you apply
Check regional termsA 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.
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.
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
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.
Official sources
US eligibility and plans ↗Rewards ↗
Fees ↗
Official information · Uphold Essential ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026