The Uphold Card earns 1-4% XRP/GBP cashback on a Visa/Mastercard debit card with a $0-$99.99/yr fee, available in UK + US.
Uphold is a US-based multi-asset trading platform founded in 2013 by Halsey Minor (originally as Bitreserve, renamed in 2015) that lets users trade and hold cryptocurrencies alongside fiat currencies, precious metals, and equities. The platform serves customers across the US, UK, and other regions through regulated subsidiaries, including Uphold Europe Limited, which is registered with the UK Financial Conduct Authority.
The Uphold Card is a crypto debit card offered by Uphold, available in UK + US. It offers 1-4% XRP/GBP cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0-$99.99/yr. It runs on the Visa/Mastercard network and requires standard identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Essential | 2% | Free tier, 2% XRP on all purchases, $120/mo cashback cap |
| Elite (Fiat/Stablecoin) | 3% | $99.99/yr, XRP cashback + no ATM/FX fees, metal card, $300/mo cashback cap |
| Elite (Crypto/Metals) | 4% | $99.99/yr, XRP cashback on crypto/metals-funded purchases, $300/mo cashback cap |
| UK Standard | 1% | Free, 1% GBP cashback on GBP-funded purchases only, capped at £100/mo |
Some users are assigned a virtual IBAN on the Uphold e-money account; others deposit to a pooled account with a reference code. Whether the vIBAN is in the user's own name is not disclosed. Card is for UK residents only.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Uphold Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $10.00/mo cashback that nets a gain of about $2.50/mo ($30.00/yr). Uphold Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Relaunched Oct 2025 after SEC/Ripple settlement. Two tiers: Essential (free, 2% XRP, $120/mo cap) and Elite ($99.99/yr, 3-4% XRP, metal card, no ATM/FX fees, $300/mo cap). Elite: 4% on crypto/metals, 3% on fiat/stablecoins. Essential was 3-4% at launch but dropped to 2% flat for signups after Jan 1, 2026. UK: Mastercard, 1% GBP cashback on GBP-funded purchases only (non-GBP-funded spend earns 0%), capped at £100/mo. US virtual card only (physical coming). Direct Deposit promo (additional 4% XRP) expired March 31, 2026.
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The Uphold Card is a crypto debit card offered by Uphold. It is available in UK + US and allows users to spend cryptocurrency at merchants worldwide.
The Uphold Card offers 1-4% XRP/GBP cashback. There are 4 tiers: Essential (2%), Elite (Fiat/Stablecoin) (3%), Elite (Crypto/Metals) (4%), UK Standard (1%).
The Uphold Card has an annual fee of $0-$99.99/yr. Additional fees: Conversion fee: ~1.5%.
The Uphold Card has the following limits: daily spending limit: GBP 10,000 (per transaction and per day); daily ATM withdrawal limit: GBP 1,000 (max 2 withdrawals/day, GBP 500/transaction). Limits can vary by account tier and verification level.
Yes. Uphold requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Uphold Card is available in UK + US.
The Uphold Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Uphold Card supports Apple Pay and Google Pay for contactless payments.
The Uphold Card is issued by Optimus Cards UK Limited. Licences: EMI (Financial Conduct Authority, UK).
E-money account funds are held in a designated safekeeping account with a regulated financial institution; not covered by the FSCS.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.