Uphold Card

Uphold

High cashback

Cashback: 2% – 4%in XRP
Monthly fee: Elite $99.99/yr · Essential $0
FX / conversion: Elite 0% · Essential 1.5%
Issuance: Virtual $0 · Elite metal $0 · Essential plastic $4.99
Card type: virtual + physical

Eligibility & KYC — who can get it

◐ Issued only in selected regions

Issued to residents / citizens of:

United States

Also excluded / paused:

Louisiana (US state)New York (US state)

US only. Not available in Louisiana, New York, or US territories.

Issuer’s markets: US only (not LA, NY, or US territories)

Where you can pay

✓ Worldwide — anywhere Visa is accepted

Official uphold.com/en-us/debit-card: "Use anywhere Visa is accepted" and "Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available)."

Cashback details

Elite: 4% (crypto/metals-funded), 3% (fiat/stablecoin), up to $300/mo. Essential: 2% on all, up to $120. Paid in XRP.

Spend from

300+ digital assets, fiat, metals, stablecoins

Verification procedure

Identity verification (KYC). Uphold wallet required.

AI subscriptions

Works for online subscriptions.

Good to know

Apple Pay, Google Pay. Fund from bank, PayPal, crypto. Elite: metal card + 0% FX + 0% ATM worldwide. Up to 3% APY on stablecoins. USD at Cross River Bank (FDIC $250K). Spending USD doesn't trigger taxable event.

Referral program

You get (referrer)

General referral program

Friend gets (referee)

No sign-up bonus

referrer-only program

Conditions: General referral program exists; no card-specific details.

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