Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$1.50/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
Uphold Card

Uphold Card

VisaVirtual and plasticSince 2021
Asks for everythingOperational

Spend directly from any of 250+ held assets (crypto, fiat, metals) with one-step auto-conversion. Up to 4% back paid in XRP. Live proof-of-reserves. Two tiers (Essential free / Elite $99.99/yr).

Total, per $100 spent: $1.50per $100 spent

84 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.

Open uphold.comNot a paid link: we earn nothing either way.

Whether to take Uphold Card

In its favour

  • Spend from 250+ assets (crypto, fiat, metals) with auto-conversion at point of sale
  • Up to 4% XRP cashback (Elite, crypto/metals) or 2% (Essential) — paid in XRP
  • Apple Pay & Google Pay supported
  • ATM access worldwide

Against it

  • Only available in US (49 states, no NY/LA) and UK — no EU rollout yet
  • Elite tier: $99.99/year
  • Essential: $2.95 ATM fee + 1.50% foreign-transaction fee
  • Daily ATM cap: $500 (Essential) / $2,000 (Elite); 2 ATM withdrawals/day max

Also true, in its favour

  • Physical card available in the US ($4.99 Essential plastic / free Elite metal) and UK
  • Regulated by FinCEN (US) and FCA (UK); live proof-of-reserves
  • No top-up fee, no monthly fee on Essential tier

What Uphold Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar1.5%
At a cash machine$2.95 (Essential), $0 (Elite)
Total, per $100 spent$1.50

Not published by the issuer: per payment, fixed.

Read off uphold.com on July 21, 2026.

Top-up: 0%. Monthly: $0 (Essential) / $99.99/yr (Elite). Foreign-transaction fee: 1.50% (Essential) / 0% (Elite). ATM: $2.95 (Essential) / free (Elite). Hidden ~0.5% spread on conversions. Physical card: $4.99 (Essential, US) / free metal card (Elite); £9.95 delivery (UK).

KYC: what Uphold Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Daily spend$2,500
Cash, per day$500

Not published by the issuer: monthly spend, per payment, maximum balance.

Confirmed on uphold.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in15BTC, ETH, XRP, USDC, USDT, SOL, ADA, DOGE, LTC, DOT, LINK, AVAX, MATIC, BCH, XLM
Chains8Bitcoin, Ethereum, XRP Ledger, Solana, Cardano, Polygon, Stellar, Litecoin
TiersEssential, Elite

Closed to residents of 16 countries, according to the issuer's own terms.

  • Armenia
  • Azerbaijan
  • Belarus
  • Cambodia
  • Canada
  • Central African Republic
  • Chad
  • Cuba
  • Eritrea
  • Fiji
  • Iran
  • Lebanon
  • North Korea
  • Russia
  • Syria
  • Vanuatu

The other flaws

  • Daily purchase limit starts at $2,500 (Essential)
  • Cashback capped at $120/mo (Essential) or $300/mo (Elite)
  • Russia, Belarus, Canada and ~30 other jurisdictions blocked
  • Hidden ~0.5% spread on FX conversions

How we checked this

Thirteen fields are tracked for every service. 12 of them carry a figure we read off uphold.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open uphold.comNot a paid link: we earn nothing either way.

Alternatives to Uphold Card

Takes $1.50 less on every $100 spent.SpectroCoin CardSpectroCoin CardVisaVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Takes $0.50 less on every $100 spent.Bitget Wallet CardBitget Wallet CardMastercardVirtual and plasticAsks for everythingOperationalFree to load. $1.00 fixed.AG7 Sept$1.00per $100 spent
Its issuer publishes nothing to compare on price.Amp Pay Black CardAmp Pay Black CardVisaVirtual and plasticAsks for everythingOperationalPublishes 3 of five fee fields — not enough to price.AG31 Julnot published