Uphold Card
Uphold · Mastercard
The Uphold card, on the Mastercard network, gives access to over 300 cryptocurrencies, precious metals and more than 35 fiat currencies, with real-time Proof of Reserves and up to 4% cashback. The 1.5–3% FX spread reduces the real benefit, however, and cashback applies only to the fiat balance, not to crypto spending.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €10 |
| Annual fee | Free |
| Free ATM limit | €500/giorno (5 prelievi max) |
| ATM withdrawal | 1.5% |
| FX markup | 3% |
| Cashback | 4% in XRP (US) o GBP (UK) · Nessuno |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | EEA, UK, US · 90+ countries |
| Estimated net annual cost | €0/year |
| Regulator | US state regulators; FCA (UK partner) |
| Segment | B2C |
| MiCA / License status | Money transmitter licenses; EMI partner license FCA + FinCEN registrato |
Plans & pricing
Essential US
- Price
- Free
- Annual price
- Free
- Issuance fee
- €10
- FX markup
- 3%
- Cashback
- 2%
- Cashback currency
- XRP (US) o GBP (UK)
- Cashback cap
- €120
- Required staking
- Nessuno
- ATM fee
- 1.5%
- ATM limit
- €500/giorno (5 prelievi max)
- Net annual cost
- Free
- Up to 4% XRP rewards (US)
- Multi-asset spending
Elite US
- Price
- Free
- Annual price
- €100
- Issuance fee
- €10
- FX markup
- 3%
- Cashback
- 4%
- Cashback currency
- XRP (US) o GBP (UK)
- Cashback cap
- €300
- Required staking
- Nessuno
- ATM fee
- 1.5%
- ATM limit
- €500/giorno (5 prelievi max)
- Net annual cost
- Free
- 4% crypto/metalli, 3% fiat/stable
- No ATM/FX fee
- XRP rewards
UK
- Price
- Free
- Issuance fee
- €10
- FX markup
- 3%
- Cashback
- 1%
- Cashback currency
- XRP (US) o GBP (UK)
- Cashback cap
- €100
- Required staking
- Nessuno
- ATM fee
- 1.5%
- ATM limit
- €500/giorno (5 prelievi max)
- Net annual cost
- Free
- 1% cashback GBP solo su balance GBP
- Niente reward su crypto/non-GBP
Strengths
- 300+ crypto + metalli preziosi + 35+ fiat; Proof of Reserves real-time.
- No notable sovereignty advantage documented.
Weaknesses
- Spread FX 1,5–3% reduces the advantage real; cashback 0% on crypto.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA + FinCEN registrato): reporting to authorities and freezes on order.
Verdict
The Uphold card, on the Mastercard network, gives access to over 300 cryptocurrencies, precious metals and more than 35 fiat currencies, with real-time Proof of Reserves and up to 4% cashback. The 1.5–3% FX spread reduces the real benefit, however, and cashback applies only to the fiat balance, not to crypto spending.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Uphold Card a safe card?
Uphold Card is a custodial card on the Mastercard network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Uphold Card cost?
The card has no annual fee. Issuance costs €9.95. The FX markup is [object Object]%. See the tier table for full conditions.
Does Uphold Card offer cashback?
Yes: cashback goes up to 1% in XRP (US) o GBP (UK), depending on the tier.
Is Uphold Card available in Italy?
Yes, Uphold Card is available in Italy.
Is Uphold Card custodial or self-custody?
Uphold Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Bug bounty · +10 Data verified on Jun 14, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date · Investors Data verified on Jun 14, 2026
- spendnode.io Supported currencies Data verified on Jun 14, 2026
- coinspot.io Cashback.staking richiesto · ATM fees · Annual cost Data verified on Jun 13, 2026
Show 3 more sources
- datawallet.com Third-party audit Data verified on Jun 13, 2026
- topconsumerreviews.com Past incidents Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026