Uphold Card
by Cross River Bank (US)
A region-specific crypto debit card. US users get a prepaid Visa issued by Cross River Bank: Elite ($99.99/yr, metal card) earns 4% when spending crypto or metals and 3% with fiat or stablecoins, paid in crypto, stablecoins or metals of your choice; Essential earns 2% in XRP. UK users get a Mastercard with flat 1% GBP cashback. Restricted availability excludes EU and specific US states (NY, LA). Issuer: the US Cardholder Agreement (https://uphold.com/en-us/legal/card-terms, updated 16 Sep 2025) says the card is 'issued to you by Cross River Bank' and 'The Card is a prepaid card'. The UK card page (https://uphold.com/en-gb/debit-card) does not name a card issuer (it says the Uphold account is 'an E-Money account provided by Optimus Cards UK Limited'), so OCC lists no UK issuer.
Unique Features
- US Elite tier offers one of the highest crypto reward caps ($300/mo)
- Direct commodity (Gold/Silver) spending supported
Pros
- High XRP rewards rates for US users
- No foreign transaction fees (UK & US Elite)
- Metal card available (US Elite)
- Spend crypto directly (auto-conversion)
Cons
- US Essential tier charges FX fees (1.5%)
- UK rewards limited to GBP-funding only
- Not available in NY, LA, or EEA
- Physical card fees apply (£9.95 / $4.99) unless Elite
Integrations & Tech
Available In (2)
Not Available In (1)
Tier Comparison
UK Standard
1% CashbackFee Structure
Fee Details
US Elite annual fee $99.99 (Essential $0). US card fees: virtual $0; physical Essential $4.99 (plastic), Elite $0 (metal). UK physical shipping £9.95; UK virtual free. ATM withdrawal: US Essential $2.95, US Elite $0 (ATM owner may add its own fee). Foreign transaction fee: US Essential 1.50%, US Elite 0%; UK no foreign transaction fees. Conflict: the US Cardholder Agreement (Cross River Bank, updated 16 Sep 2025) Schedule A shows the Essential foreign transaction fee as '$1.50'; OCC keeps 1.50%.
Limits & Conditions
US ATM cash withdrawals: Essential $500/day and $2,000/month; Elite $2,000/day and $10,000/month. US POS purchases: Essential $2,500/day and $10,000/month; Elite $25,000/day and $100,000/month. UK: spend up to £10,000 per day and max 50 transactions; rewards capped at £100/month.
