Uphold Card Elite US
A plan byUphold Card · Mastercard
The Uphold card (Mastercard) is available only in the US and the UK — NOT in Italy or the EEA. It gives access to 300+ cryptocurrencies, precious metals and 35+ fiat currencies with real-time Proof of Reserves. In the US, XRP cashback reaches 4% on crypto/metals-funded purchases (3% with fiat/stablecoins), 2% on the base plan; in the UK it is 1% in GBP only on the GBP balance. The Elite US plan ($99.99/year) removes the FX fee (0%); otherwise the FX spread is 1.5-3%.
Elite US
- Price
- Free
- Annual price
- €100
- Issuance fee
- €10
- FX markup
- 0%
- 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
What's included
- 4% crypto/metalli, 3% fiat/stable
- No ATM/FX fee
- XRP rewards
The clause
That 4% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
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 | €100/year |
| Free ATM limit | €500/giorno (5 prelievi max) |
| ATM withdrawal | 1.5% |
| FX markup | 0% |
| 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 | UK, US · 2+ 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 |
Strengths
- 300+ crypto, metals and 35+ fiat; real-time Proof of Reserves; Elite US with 0% FX.
- No notable sovereignty advantage documented.
Weaknesses
- Available only in the US and UK (not in Italy/EEA); FX spread up to 3% (0% only on Elite US); UK: 1% cashback only on the GBP balance.
- 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 B tier reflects an uncertain balance and, above all, a card not available in Italy or the EEA: it operates only in the US and UK. Where it is active it offers 300+ crypto, metals and 35+ fiat, real-time Proof of Reserves and XRP cashback up to 4% (US, crypto/metals spending); the drawbacks are the 1.5-3% FX spread on the base plans (0% only on Elite US, at $99.99/year) and, in the UK, the 1% cashback limited to the GBP balance.
On the crypto-native side Uphold offers one worthwhile element, real-time Proof of Reserves, which gives a verifiable proof of funds in custody. It remains a custodial, full-KYC card with no on-chain settlement, though: funds live with the issuer and self-custody is missing, so transparency improves trust but doesn't hand the user direct control or censorship resistance.
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.
Reputation
What happened to people who used Uphold Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
App Store ↗
4.7/5
89,647 reviews
Uphold iOS app, US storefront. Exact figures from the iTunes API (averageUserRating 4.70; userRatingCount 89,647).
Weighted average across 1 public review platform (89,647 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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?
No base fee; the Elite US plan costs $99.99/year. Issuance costs €9.95. The FX spread is 1.5-3%, removed (0%) on the Elite US plan.
Does Uphold Card offer cashback?
In the US up to 4% in XRP (crypto/metals spending) or 3% (fiat/stablecoins), 2% on the base plan; in the UK 1% in GBP only on the GBP balance. The card is not available in Italy.
Is Uphold Card available in Italy?
No: the Uphold Card is available only in the United States and the United Kingdom, not in Italy or the EEA.
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 · +6 Data verified on Jun 14, 2026
- cryptoslate.com UK Data verified on Jul 10, 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
Show 4 more sources
- coinspot.io Cashback.staking richiesto · ATM fees · Annual cost Data verified on Jun 13, 2026
- 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