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, but no fixed spread is published in the supplied data.

• 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, and the raw data does not name lead investors.
• Series B and Crowdcube - late 2014 The round raised about $8 million plus Crowdcube capital, with Crowdcube named among the investors; the raw data does not identify a lead investor.
• Partnership and investment package - Jan 2018 The package totaled $57.5 million and involved Greg Kidd of Hard Yaka; the raw data does not identify a lead investor.
• Series C - Jan 2019 The round raised near $50.6 million, with Hard Yaka and Rosemoor Capital named among the investors; the raw data does not identify lead investors.

Uphold Card Updates

1. 

   Uphold Oct 9, 2026 · 20:30
   $SUN is now live on Uphold ☀️
   SUN is the governance token for @OfficialSUNio, a decentralized exchange (DEX) on TRON where you can swap tokens, earn fees by adding to liquidity pools, and trade stablecoins.
   Risk Warning: Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. https://uphold.com/en-gb/legal/risk-summary-for-qualifying-crypto-assets
   • 3 reposts
   • 19 likes
   • 6.9K views
2. 

   Uphold Oct 9, 2026 · 18:55
   ICYMI: Vault Inheritance 🔐
   Listen to the replay with @Crypt0Senseii and the Uphold team for a breakdown on protecting your XRP, HBAR and BTC for the next generation.
   Tune in ↓
   • 2 replies
   • 16 reposts
   • 56 likes
   • 7.7K views
3. 

   Uphold Oct 9, 2026 · 17:49
   Daily market moves don't faze the XRP Army 🫡
   Join our global community growing their stacks and earning rewards in the Uphold app.
   Just another day in the trenches 🪖
   • 12 replies
   • 20 reposts
   • 139 likes
   • 8.9K views
4. 

   Uphold Oct 9, 2026 · 16:47
   Crypto's decade on the margins is over.
   Join Uphold CFO Aravind Raju at @Money2020 as he kicks off the Sunday Blockchain Summit with a look at what institutional scale and mainstream stablecoin adoption actually look like.
   🗓️ Sunday, Oct 18 | 1:15 PM PT
   📍 Casanova 501–504

   
   • 2 replies
   • 5 reposts
   • 42 likes
   • 6.9K views
5. 

   Uphold Oct 9, 2026 · 15:53
   Here’s what’s moving this week 👀
   Follow @UpholdMarkets for weekly top gainers and market updates ↓
   • 1 replies
   • 1 reposts
   • 31 likes
   • 7.1K views
6. 

   Uphold Oct 9, 2026 · 14:30
   Don't just trust, verify.
   All official Uphold and affiliated accounts on 𝕏 feature the Uphold badge.
   Before you engage, click the badge to confirm the account's authenticity.
   Find the full list of Uphold's verified affiliates:

   
   • 2 replies
   • 10 reposts
   • 86 likes
   • 7.7K views
7. 

   Uphold Oct 9, 2026 · 13:26
   Where do you see $XRP closing by the end of October? 🎃
   • 17 replies
   • 8 reposts
   • 91 likes
   • 13.5K views
8. 

   Uphold Oct 8, 2026 · 21:00
   Early access is open for $SUN ☀️
   SUN is the governance token for @OfficialSUNio, a decentralized exchange (DEX) on TRON where you can swap tokens, earn fees by adding to liquidity pools, and trade stablecoins.
   Trade first, before general access opens 📲
   Risk Warning: Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. https://uphold.com/en-gb/legal/risk-summary-for-qualifying-crypto-assets
   • 3 replies
   • 2 reposts
   • 27 likes
   • 7.9K views
9. 

   Uphold Oct 8, 2026 · 19:33
   Pass on your crypto wealth without giving up control 🔐
   Designate a beneficiary for your XRP, BTC, and HBAR directly inside Uphold Vault.
   ☑️ Keep full control of your keys
   ☑️ Your balance stays private
   ☑️ Update your beneficiary any time
   Set up your Vault beneficiary today 📲
   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.
   • 8 replies
   • 6 reposts
   • 73 likes
   • 9.1K views
10. 

    Uphold Oct 8, 2026 · 18:27
    Tokenized fixed income, staking, and lending are creating an entirely new playbook for yield.
    Catch Uphold CPO @PaulWavelength at @Money2020 as he explores how on-chain mechanics are reshaping corporate treasury strategies.
    🗓️ Sunday, Oct 18 | 2:25 PM PT
    📍 Casanova 501–504

    
    • 5 replies
    • 19 reposts
    • 103 likes
    • 8.9K views
11. 

    Uphold Oct 8, 2026 · 18:01
    Why is Ripple trending today? 👀

    
    • 88 replies
    • 105 reposts
    • 1.3K likes
    • 43.6K views
12. 

    Uphold Oct 8, 2026 · 17:04
    We are excited to announce a strategic venture between @LiquidAcre and Uphold, enabling onboarding, account funding, and ultimately trading for LiquidAcre.
    LiquidAcre is a fintech company that seeks to make participation in real estate development projects more accessible to institutional investors, family offices, and individual investors through the use of tokenization.
    With Uphold's Platform-as-a-Service, LiquidAcre gains KYC, digital asset custody, and fiat-to-stablecoin conversion, allowing users to complete their onboarding and compliance seamlessly using the LiquidAcre branded interface that users will be familiar with.
    Services are subject to user eligibility and jurisdictional availability, applicable terms, and compliance checks. This is not an offer to sell securities.

    

    1 more in this thread

    @LiquidAcre Learn more ↓ https://www.benzinga.com/content/62250546/liquidacre-selects-uphold-power-digital-asset-infrastructure-and-future-tokenized-real-estate-offeri
    • 6 replies
    • 31 reposts
    • 154 likes
    • 12.3K views
13. 

    Uphold Oct 8, 2026 · 15:42
    Here's your Thursday market check-in ☕️
    → $BTC & $ETH ease to $82.4k & $2.5k
    → Macro headwinds drive ETF outflows
    → $STRK jumps 26% post-network upgrade
    → $JUP & $JTO gain on Solana ETF hype
    Full breakdown from @UpholdMarkets ↓
    • 2 replies
    • 4 reposts
    • 26 likes
    • 7.5K views
14. 

    Uphold Oct 7, 2026 · 22:00
    Gen Z lives on mobile, AI agents run on digital wallets, and legacy rails can't keep up.
    Catch Uphold U.S. President Nancy Beaton at @Money2020 to see what products win as onchain and traditional systems converge in real time.
    🗓️ Sunday, Oct 18 | 1:55 PM PT
    📍 Casanova 501–504

    
    • 1 replies
    • 9 reposts
    • 64 likes
    • 8.4K views
15. 

    Uphold Oct 7, 2026 · 21:00
    75% of U.S. banks are actively building blockchain services.
    We partnered with @AmerBanker to survey 114 institutions on how onchain finance is moving from theory to execution.
    Full report coming soon. Take a first look↓ https://cryptobriefing.com/uphold-survey-us-banks-blockchain-adoption/
    This content is informational and not financial advice. Crypto-assets are highly volatile and involve risk. You may lose all the money you invest. Consumer protections may be limited.
    • 3 replies
    • 18 reposts
    • 128 likes
    • 9.4K views
16. 

    Uphold Oct 7, 2026 · 19:00
    Starting in one hour! Don't miss this space ↓
    • 2 replies
    • 12 reposts
    • 119 likes
    • 12.5K views
17. 

    Uphold Oct 7, 2026 · 18:02
    Here's your Wednesday market check-in ☕️
    → $BTC & $ETH pull back to $83.3k & $2.5k
    → Macro pressures trigger $550M in liquidations
    → $SAND surges 21% as caution tags lift
    → $RAY jumps 12% on tokenized stock volume
    Full breakdown from @UpholdMarkets ↓
    • 4 replies
    • 4 reposts
    • 26 likes
    • 8.6K views
18. 

    Uphold Oct 7, 2026 · 17:30
    $WIN is now live on Uphold 😉
    @WinkLink_Oracle is a TRON oracle that feeds prices and other real-world data to smart contracts. WIN pays the nodes that deliver it.
    Risk Warning: Don’t invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. https://uphold.com/en-gb/legal/risk-summary-for-qualifying-crypto-assets
    • 1 replies
    • 2 reposts
    • 31 likes
    • 8.9K views
19. 

    Uphold Oct 7, 2026 · 15:30
    Get paid early.
    Auto-invest now.
    Automatically invest across multiple digital assets the moment you get paid with Direct Deposit.
    ✅ Get paid up to 2 days early
    ✅ Earn up to 3% XRP back on your crypto trades
    Get started in the Uphold app 📲
    U.S. only. Terms Apply. Crypto assets are volatile and high-risk. No consumer protection.

    
    • 7 replies
    • 4 reposts
    • 39 likes
    • 8.2K views

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