COMPANY detail
UPHOLD CARD most flexible crypto enabled card
CARD FEATURE OVERVIEW.
TIERS
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO $120/MONTH
NEED KYC
YES
FX FEE
1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$500
DAILY LIMIT
$2,500
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$99.99/YEAR
CASHBACK
UP TO $300/MONTH
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$2,000
DAILY LIMIT
$25,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO £100/MONTH
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
£1,000
DAILY LIMIT
£10,000
GET THE CARD
ESSENTIAL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO $120/MONTH |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $500 |
| DAILY LIMIT | $2,500 |
ELITE
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $99.99/YEAR |
| CASHBACK | UP TO $300/MONTH |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $2,000 |
| DAILY LIMIT | $25,000 |
UK CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO £100/MONTH |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | £1,000 |
| DAILY LIMIT | £10,000 |
Last Updated: Jun 15, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
VIEW GLOBAL NETWORK
Available
Restricted
Not Specified
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- US Elite: 4% XRP rewards, 0% FX, free ATM worldwide, metal card
- US Essential: Free, 2% XRP rewards
- UK: Free virtual card, no foreign transaction fees, 1% GBP cashback
- 300+ crypto assets and 15 fiat currencies supported
- SOC 2 Type 2, ISO 27001, PCI DSS certified
- FDIC insured (US), FCA regulated (UK)
- Stablecoin yield up to 3% APY (US)
- No credit check required
- FX FEE: 0% / ELITE
CONS
[ LIMITATIONS ]
- US and UK cards are completely separate products
- US: not available in NY, LA, or US territories
- UK: no Elite tier available
- UK: cashback only on cash balance purchases
- Custodial wallet
- No IBAN/SWIFT
- US Elite: $99.99/year fee
- US rewards are in XRP
- UK: ATM: £2.50 national, £3.50 foreign
- UK: Free virtual card; £9.95 physical (one-time)
- Physical: Essential $4.99 (Plastic), Elite $0 (Metal)
GENERAL QUESTIONS.
Yes, all Uphold users in the UK are eligible for the card! Just create a free account with Uphold and activate your card within your mobile wallet. Individuals only — business accounts excluded.
Your virtual card is completely free and can be activated from within your Uphold app. Physical cards can also be requested in your app for a one-time shipping fee of £9.95 and an expected delivery time of 7-10 business days.
You can spend up to £10,000 GBP with your card per day (even on a single transaction) and do a maximum of 50 transactions per day. For the rewards, there’s a maximum cap of £100 worth of rewards per month, depending on your location.
In the UK, there is a £2.50 GBP fee for national ATM withdrawals and £3.50 GBP for foreign ones.
