Uphold crypto card fees and XRP cashback

Uphold Card Overview

Uphold Card Key features

• Multi asset funding

  Choose one funding source in the app, such as USD, USDC, crypto or listed metals. Uphold sells enough at checkout to pay the merchant in local currency; conversion spreads and service fees can apply, and we couldn't find a fixed spread.

• US Essential rewards

  Uphold pays 2% in XRP on eligible US Essential purchases, capped at $120 per month. Essential has no annual fee, and the XRP you earn can change in value.

• US Elite rewards

  Uphold pays 4% in XRP on eligible crypto or metals funded purchases and 3% on fiat or stablecoin funded purchases, capped at $300 per month. Elite costs $99.99 per year and includes a metal card.

• UK GBP cashback

  Uphold pays 1% cashback in GBP on eligible GBP funded UK purchases, capped at £100 per month. You do not earn this cashback on crypto funded purchases under the published UK terms.

• Free virtual card

  You can activate a free virtual card on every plan, potentially within minutes after identity verification. Use it for online purchases or add it to a supported mobile wallet.

• Physical card options

  You can order a plastic card for $4.99 on US Essential or £9.95 in the UK. Use a physical card for ATM withdrawals and chip payments.

• Mobile wallet payments

  You can add your issued card to Apple Pay or Google Pay where those wallets are allowed. Then pay by tap with your phone.

• US ATM withdrawals

  Uphold charges $2.95 per US Essential ATM withdrawal, with withdrawal limits of $500 daily and $2,000 monthly. Elite has no Uphold ATM fee and limits of $2,000 daily and $10,000 monthly, though ATM owners can charge their own fees on either plan.

• UK ATM withdrawals

  Uphold charges £2.50 per withdrawal in the UK and EU, or £3.50 elsewhere. You can withdraw up to £500 at once and £1,000 per day; ATM owners may charge extra.

• Foreign transaction fees

  Uphold charges US Essential users a flat $1.50 foreign transaction fee plus FX costs. Uphold charges no foreign transaction fee on US Elite or the UK card, though FX conversion costs can still apply.

• No credit check

  Uphold checks your identity and residency rather than your FICO score. You need a supported US state address or a UK address; New York, Louisiana, US territories and Crown Dependencies are excluded.

• Custodial wallet spending

  You spend directly from your Uphold wallet without loading a separate prepaid balance. Uphold holds the assets and controls the keys; crypto and metals are not FDIC insured.

• In app controls

  You can turn on transaction alerts and freeze the card in the app if you spot a payment you do not recognize. You can also change your chosen funding source in the app.

Uphold Card Fees

• Annual and card fees US Essential costs $0 per year with a $4.99 plastic card, US Elite costs $99.99 per year with a metal card included, and the UK card has a free virtual card and a £9.95 physical card.
• ATM withdrawal fees US Essential charges $2.95 per withdrawal plus any ATM owner fee, US Elite charges a $0 Uphold ATM fee, and the UK card charges £2.50 in the UK and EU or £3.50 elsewhere.
• Foreign transaction fees US Essential charges a $1.50 flat foreign transaction fee plus FX, while US Elite and the UK card list a $0 Uphold foreign transaction fee, although the exchange rate can include conversion costs.
• Replacement fee US Elite includes one free replacement each year, then charges $29.99 per replacement.
• Conversion and funding fees Reported card-spend spreads sit around 0.5% to 0.7% on stablecoins and higher on BTC, ETH, and XRP, while US card deposits cost 3.99%, ACH is typically free, and crypto deposits have no Uphold deposit fee but still incur network charges.

Uphold Card Supported networks

• Bitcoin
• Ethereum
• Solana
• BNB Chain
• Base
• Arbitrum
• Starknet
• XinFin
• XRP Ledger
• Hedera

How to use Uphold Card

1. 1

   Create your account

   Open an Uphold account with your home address in the UK or a supported US state. You cannot get the card in New York, Louisiana or US territories, and residents of Crown Dependencies are also excluded.

2. 2

   Verify your identity

   Complete Uphold's identity verification (KYC) and wait until Uphold fully approves your account.

3. 3

   Choose your card

   Open the Card section in the app and choose Essential or Elite in the US, or the UK card. US Essential has no annual fee; US Elite costs $99.99 per year.

4. 4

   Activate your virtual card

   Activate the free virtual card. Add it to Apple Pay or Google Pay if you want to pay by tap where those wallets are allowed.

5. 5

   Set your funding source

   Deposit funds into your Uphold wallet if needed, then select one available balance as your card's funding source in the app. Uphold holds these funds in custody; you do not load a separate card balance.

6. 6

   Make a test purchase

   Make a small online purchase with the virtual card or tap with your mobile wallet; Uphold sells enough of your selected balance to pay the merchant in local currency. Check the debit and conversion, then confirm any reward credit for an eligible purchase.

Uphold Card Demo video

Uphold Card Screenshots

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Uphold Card User Reviews

• 

  @bella_got_game Sep 13, 2026

  I don't know uphold is giving me 4% back in XRP. So I have been liking it. I can spend it with my debit card.

  View on X ↗
• 

  @FuzzyClawX Sep 14, 2026

  I use the Uphold Card and I really do like what they've built.

  View on X ↗
• 

  @Brick196Joseph Sep 11, 2026

  I use the uphold card slot they have giving me over 10" XRP so far

  View on X ↗

Uphold Card Review

Uphold funding

• Founded by Halsey Minor founded Bitreserve in 2013, the company that later took the Uphold name.
• Series A - early 2014 The round raised about $5 million.
• Series B and Crowdcube - late 2014 The round raised about $8 million plus Crowdcube capital, with Crowdcube named among the investors.
• Partnership and investment package - Jan 2018 The package totaled $57.5 million and involved Greg Kidd of Hard Yaka.
• Series C - Jan 2019 The round raised near $50.6 million, with Hard Yaka and Rosemoor Capital named among the investors.

Uphold Card Updates

1. 

   Uphold Nov 11, 2026 · 16:21
   Onchain deposits and withdrawals were disrupted over the past few days and we’d like to explain what happened: The disruption followed a technical incident at a third-party provider we use to screen cryptocurrency transactions. As a regulated financial platform, we’re required to screen all incoming and outgoing crypto transactions to protect our customers.
   We can’t process transactions without the necessary safeguards and therefore had to temporarily pause crypto deposits and withdrawals.
   Activating redundancies took longer than expected. Keeping customer money safe is always our priority - but we appreciate how frustrating it is to experience delays. We continue to enhance our procedures and redundant systems to minimize the risk of any repeat of this incident.
   We are reaching out directly to those affected.
   • 66 replies
   • 57 reposts
   • 511 likes
   • 25.8K views
2. 

   Uphold Nov 10, 2026 · 16:13
   ℹ️ Update
   Crypto deposit and withdrawal processing times are back to normal.
   All Uphold services are fully operational. Thank you for your patience.
   • 73 replies
   • 77 reposts
   • 844 likes
   • 27.7K views
3. 

   Uphold Nov 9, 2026 · 21:45
   ℹ️ Update
   We are still experiencing delays with crypto deposits and withdrawals, and an uptick on transactions needing review.
   We are currently actively working through the backlog. Your funds remain safe.
   All other services are operating normally. Thank you for your patience.
   • 122 replies
   • 75 reposts
   • 616 likes
   • 68.2K views
4. 

   Uphold Nov 6, 2026 · 16:54
   ℹ️ Update
   Crypto withdrawals and deposit times have returned to normal in the Uphold Wallet and Topper.
   The following assets remain delayed until our partner restores service: CSPR; CCD; KAS; STX; STRK; IOTA; USDC on XRPL; SHX.
   All other services are operating normally. Thank you for your patience as we clear the remaining transactions and restore full service.
   • 113 replies
   • 53 reposts
   • 405 likes
   • 29.5K views
5. 

   Uphold Nov 5, 2026 · 15:52
   ℹ️ Update
   ~ 80% of crypto deposits and withdrawals are now processing successfully, though some delays remain while we tackle the backlog.
   We’re working to release the remaining transactions. Fiat deposits and withdrawals, and trading, continue to operate normally.
   • 91 replies
   • 44 reposts
   • 406 likes
   • 28.9K views
6. 

   Uphold Nov 5, 2026 · 11:11
   While we continue to monitor the issue with our third-party provider, we’ve implemented a workaround and are beginning to release pending crypto deposits and withdrawals.
   Some delays may continue while we clear the backlog.
   We’re sorry for the disruption and the time you’ve had to wait.
   At no time were funds at risk.
   Thank you for your patience.

   1 more in this thread

   Update:
   • 68 replies
   • 55 reposts
   • 511 likes
   • 47K views
7. 

   Uphold Nov 4, 2026 · 23:40
   ℹ️ A temporary issue with a third-party provider is affecting Uphold, Topper and other companies across the industry.
   Some crypto deposits and withdrawals are delayed and will complete once resolved. All other services, including fiat deposits and withdrawals, are operating normally.
   Updates: https://status.uphold.com
   • 102 replies
   • 97 reposts
   • 521 likes
   • 58.7K views
8. 

   Uphold Nov 3, 2026 · 20:20
   Your crypto, your legacy 🔐
   Designate a beneficiary for your XRP, BTC, and HBAR directly inside Uphold Vault.
   Keep full control of your keys while securing your assets for the long term.
   See how it works ↓
   Vault is an assisted self-custody product. You hold two of three keys; loss of both your keys can result in permanent loss of assets. Subscription auto-renews. You can now appoint a beneficiary who will have no premature access. Asset transfer requires an approved claim. You can change or remove beneficiary at any time.
   • 17 replies
   • 27 reposts
   • 168 likes
   • 16.9K views
9. 

   Uphold Nov 3, 2026 · 19:29
   $RLUSD circulating supply has officially crossed $2.5B.
   According to DefiLlama, @Ripple’s stablecoin now leads all major stablecoins in 90-day net inflows.
   A major milestone for the ecosystem 👏
   • 49 replies
   • 175 reposts
   • 1.4K likes
   • 43K views
10. 

    Uphold Nov 3, 2026 · 17:33
    Flexible or Boosted? 𝐈𝐭'𝐬 𝐲𝐨𝐮𝐫 𝐜𝐚𝐥𝐥.
    Choose the HBAR staking strategy that works for you:
    ☑️ Flexible:
    Weekly rewards with zero lock-ups
    ☑️ Boosted:
    Lock in and maximize rewards
    Don't just hold $HBAR, start earning in the Uphold App 📲
    U.S. only. Crypto-assets are highly volatile and involve risk. You may lose all the money you invest. Consumer protections may be limited.

    
    • 4 replies
    • 22 reposts
    • 119 likes
    • 11.8K views
11. 

    Uphold Nov 3, 2026 · 16:11
    $XRP Update 📰
    The XRP Ledger added 7,934 new wallets on November 1, its sixth-largest single-day spike in 2026 (via Santiment).
    A strong lead-in to the week on the XRPL.
    • 48 replies
    • 232 reposts
    • 1.5K likes
    • 43.8K views
12. 

    Uphold Nov 3, 2026 · 14:01
    Here's your Tuesday market check-in ☕️
    → $BTC & $ETH hold near $77.2k & $2.2k
    → Gold rises as tech selloff deepens
    → $CC adds 3% as $XDC gains 2%
    → $BEAM slides 18% in heavy volume
    Full breakdown from @UpholdMarkets ↓
    • 1 replies
    • 10 reposts
    • 103 likes
    • 11.1K views
13. 

    Uphold Nov 2, 2026 · 19:01
    Start November with your strategy locked in 🔒
    Automate your crypto buys to keep your portfolio on track without chasing daily price swings.
    Set up Repeat Transactions in the Uphold App 📲
    Terms apply. Crypto-assets are highly volatile and involve risk. You may lose all the money you invest. Consumer protections may be limited.
    • 1 replies
    • 7 reposts
    • 86 likes
    • 10.8K views
14. 

    Uphold Nov 2, 2026 · 18:24
    🦃 What token will break through in November?
    • 146 replies
    • 16 reposts
    • 336 likes
    • 36.4K views
15. 

    Uphold Nov 2, 2026 · 14:01
    Take control of your money, your way.
    Trade. Earn. Stake. Borrow.
    All of your assets. All in one place 📲
    • 23 replies
    • 30 reposts
    • 388 likes
    • 17.3K views
16. 

    Uphold Oct 31, 2026 · 14:01
    Happy Halloween to our community and everyone holding on tight 🎃🧟‍♂️
    What's one asset you're holding onto forever?
    • 103 replies
    • 92 reposts
    • 837 likes
    • 29.2K views
17. 

    Uphold Oct 31, 2026 · 12:00
    Nine pages that challenged the entire legacy financial system.
    Happy #Bitcoin Whitepaper Day!
    • 6 replies
    • 20 reposts
    • 157 likes
    • 12.1K views
18. 

    Uphold Oct 30, 2026 · 20:31
    Daily market moves don't faze the XRP Army 🫡
    Join millions of OGs worldwide automating their XRP stacks and earning rewards in the Uphold App.
    Just another day in the trenches 🪖
    Crypto-assets are highly volatile and involve risk. You may lose all the money you invest. Consumer protections may be limited.

    
    • 33 replies
    • 46 reposts
    • 422 likes
    • 17.8K views

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