Uphold
Spend your Uphold balance and earn XRP back
A Visa debit card (US & UK) that spends crypto, metals, fiat, or stablecoin balances held in your Uphold account, paying rewards in XRP (US) or GBP cashback (UK). The free Essential tier earns a flat 2%; the paid Elite tier earns up to 4% with no ATM/FX fees.
Referral disclosure: no referral link is currently used for this card.
01
Availability
Provider eligibility can depend on residence, citizenship, and account-specific checks.
Regions
Countries
Excluded countries
US person support
02
Funding compatibility
Assets and networks listed by the provider for funding or spending.
Supported assets
Supported chains
03
Top-up options
How funds may reach the card balance, including supported currencies, stablecoins, and networks.
Top-up methods
Supported currencies
Supported stablecoins
Top-up chains
Notes
04
Card tiers
Fees, commitments, network tier, and reward categories can differ within one card program.
Essential
Other
Requirement summary
Free tier. No monthly fee or lockup listed.
Costs and access
Monthly fee
Issuance fee
Token lockup
Lockup amount
Subscription
Minimum balance
Rewards
Base cashback
Cashback cap
Cashback programs
US — Essential flat rewards
General cashback · Reward asset: XRP
Value basis: unknown · Calculation: marginal
Merchant categories: Unknown / needs verification
Eligible spend: All eligible US purchases on the Essential card, regardless of funding source (crypto, metals, fiat, or stablecoin).
Exclusions: Excludes ATM/cash-like transactions, crypto purchases, gambling, government/court payments, debt payments, and refunds/fees/disputes.
| Band | Cashback | Spend from | Spend to | Period | Cap | Conditions |
|---|---|---|---|---|---|---|
| 2% back in XRP | 2% | Unknown / needs verification | No stated limit | transaction | 120 USD / monthly | Monthly reward cap ~$120 (USD equivalent) in XRP. |
Cap: Monthly reward cap ~$120 (USD equivalent in XRP).
Conditions: Unknown / needs verification
Confidence: medium
Last verified: 2026-06-27
Source: Open reward source
UK — GBP cashback
General cashback · Reward asset: GBP
Value basis: unknown · Calculation: marginal
Merchant categories: Unknown / needs verification
Eligible spend: Purchases funded by a GBP balance.
Exclusions: Purchases funded by crypto or other non-GBP balances do not earn cashback.
| Band | Cashback | Spend from | Spend to | Period | Cap | Conditions |
|---|---|---|---|---|---|---|
| 1% cashback in GBP | 1% | Unknown / needs verification | No stated limit | transaction | Unknown / needs verification | Unknown / needs verification |
Cap: Unknown / needs verification
Conditions: No setup or annual fees; no foreign transaction fees in the UK.
Confidence: medium
Last verified: 2026-06-27
Source: Open reward source
Cash-equivalent benefits
Caveats
Cashback cap needs verification.
This tier is marked as needing verification.
Tier availability or benefits may vary by region.
05
Fees
Unknown values remain visible and should be checked against current provider terms.
Monthly fee
Issuance fee
FX fee
Crypto conversion fee
ATM fee note
06
Features
Card format and wallet support can vary across regions and devices.
Virtual card
Physical card
Apple Pay
Google Pay
ATM withdrawals
07
Program-level rewards
These high-level notes supplement the tier-specific reward details above.
Cashback
Reward asset
Lockup requirement
Reward cap
Notes
08
Data sources
Use primary provider pages to verify the latest eligibility, pricing, and reward terms.
Official link
Fees link
Eligibility link
Rewards link
Last verified date
Source quality
Keep the data honest
Report outdated information
Send the corrected claim and a primary provider source for editorial review.
Information only. Always verify terms before applying.