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Uphold / Card review
Crypto payment card
Uphold Exa Visa Signature
Virtual credit card accessed through Uphold, borrowing against assets in Exactly Protocol.
- Rewards · first band
- Amount not stated in reviewed official sources
- Foreign-currency fee
- Check regional / product terms
- Card issuance fee
- Amount not stated in reviewed official sources
- Maintenance / subscription
- 0 USD annual fee
Your selected card: before you apply.
Selected tier / planUphold integrationUphold Exa Visa Signature
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
- Amount not stated in reviewed official sources
Maintenance / subscription: 0 USD annual fee
Items to verify and where to check · 3
- Rewards · first bandAmount not stated in reviewed official sourcesUphold Exa describes Visa benefits but publishes no ongoing purchase cashback percentage.
- Foreign-currency feeCheck regional / product termsUphold states Visa conversion and possible FX charges without a number. Exa App's 2024 1.5% schedule is not explicitly confirmed for the current Uphold integration.
- Card issuance feeAmount not stated in reviewed official sourcesVirtual card activates after Instant Credit setup, but initial issuance pricing is not stated separately. No annual fee does not explicitly establish zero issuance cost.
Fields reviewed · 2026-09-09
Steps on the official site or app
- Complete Instant Credit onboarding in Uphold.
- Open Instant Credit, then Credit card, and select Get Started.
- Provide intended use and expected spending; review the terms.
- After confirmation, use the virtual card or add it to Apple or Google Wallet.
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
Virtual credit through Uphold using crypto as collateral.
A good fit if
For eligible Instant Credit users pledging supported assets to Exactly and choosing one to eight repayments.
The tradeoff
Collateral moves into smart contracts; interest and collateral health matter, and country eligibility needs separate confirmation.
For eligible US users who prefer spending their balance over borrowing.
Check regional termsView cards & plans4
Fees & rewards
Uphold integration
- Rewards · first band
- Amount not stated in reviewed official sources
- Foreign-currency fee
- Check regional / product terms
- Card issuance fee
- Amount not stated in reviewed official sources
- Maintenance / subscription
- 0 USD annual fee
Read the conditions behind the figures
Uses Exactly collateral through Instant Credit. Select 1–8 repayments before purchase; rates and schedule lock at purchase. International Visa/FX costs may apply.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Credit / collateral conditions · BTC / ETH / USDC / XRP
Open Instant Credit, then Credit card, and select Get Started.
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
- BTC · ETH · USDC · XRP
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- Conversion timing
- Official confirmation needed
- Virtual card
- Listed · check region and plan
- Physical card
- Not offered for this program
- 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
- Third National Bank
- Custody of funded balances
- Exactly Protocol smart contracts (credit-line collateral)
Freeze the card in the Cards widget. Collateral moves off Uphold into Exactly Protocol smart contracts, and available credit depends on collateral health.
Official sources
Exa integration ↗Uphold Exa Credit Card — updated August 20, 2026 ↗
Exa Card associated fees and costs — October 28, 2024 ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026