Uphold Card review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Uphold Card fits people who hold crypto and want to spend it from the app, with a monthly fee of $0 and cashback of 2%. It scores 4.9 in the SumCue ranking, and custody sits with Uphold, so weigh the safety of the money as well as the cost.
Key facts
- Best for
- A debit card for spending a crypto balance.
- Monthly fee
- $0↗
- Currency conversion fee
- 1.5%↗
- Free ATM withdrawals
- $0↗
- Card type
- Debit↗
- Cashback rate
- 2%↗
- Card network
- Visa↗
- Custody
- Custodial↗
- Legal entity
- Uphold HQ Inc.↗
- Headquarters
- United States↗
- Founded
- 2014↗
- Support channels
- Help-centre↗
- Features
- Crypto, Virtual card, Travel
- Official website
- uphold.com
Facts checked September 26, 2026, 3 sources
Pros and cons
Pros
- The monthly fee is $0, so keeping the card open costs nothing.
- Cashback of 2% returns a share of what you spend on the card.
- The feature list is crypto, virtual card and travel, which covers online shopping and trips from the same card.
Cons
- The currency conversion fee of 1.5% is high for a card listed for travel, and it ranks 146 of 258 brands on this measure.
- The free ATM allowance is $0, so taking out cash is a charge.
- Support runs on help centre only, so there is no phone or live chat help for a blocked card.
Who it suits
- People who hold crypto and want to spend it without moving it to a bank first.
- US based users, since Uphold HQ Inc. is based in the US and registered with the National Mortgage Licensing System (NMLS).
- Everyday spenders who like cashback on what they already pay for.
Who should look elsewhere
- Wise, if currency conversion is your main cost, because Uphold charges 1.5% on conversion.
- Starling Personal Account Debit Card, if you want a UK current account, where the monthly fee is £0.
- bunq, if you want a euro account with a monthly fee of €0 rather than a US based platform.
How Uphold Card compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.4
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8.8 vs 9.2
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Where Uphold Card is available
- Available
- Argentina, Belize, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Nicaragua, Panama, Paraguay, Peru, Portugal, Puerto Rico, Suriname, United States, Uruguay
- Licence in United States
- National Mortgage Licensing System (NMLS) (1269875), checked September 26, 2026
- Licence in Portugal
- Bank of Portugal, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Uphold Card cost to hold and to use abroad?+
The monthly fee is $0 and the card pays cashback of 2%, so day to day use is cheap. The currency conversion fee of 1.5% is the cost that matters on holiday, and it ranks 146 of 258 brands on this site.
Can I get free cash out with the Uphold Card?+
The free ATM withdrawal allowance is $0, so taking out cash is charged. It ranks 44 of 124 brands on that measure, so treat the card as a spending card rather than a cash card.
How does the monthly fee compare with other cards?+
The Uphold Card charges a monthly fee of $0 and ranks 1 of 422 brands on that measure. Wise has a monthly fee of £0 and bunq charges €0, so the account fee is not what separates them.
Who holds the money behind the card?+
Custody is custodial, so Uphold holds the balance rather than you holding the keys. The legal entity behind the card is Uphold HQ Inc., based in the US, and that custody model matters if you weigh the safety of the money as well as the cost of spending it.
Where is Uphold regulated?+
In the US it is registered with the National Mortgage Licensing System (NMLS) under 1269875, and it is also registered with the Bank of Portugal. The company behind the card is Uphold HQ Inc., based in the US.
What can I do with the Uphold Card?+
It is a debit card on the visa network, and the listed features are crypto, virtual card and travel. That covers online shopping through a virtual card and travel use, so the card handles everyday spending as well as trips.
How do I get help if the card is blocked?+
Support runs on help centre, which means self service articles rather than a phone line or live chat. Plan around that if you pay in cash or travel often, because those are the moments when a person is most useful.
Is the Uphold Card a good fit for everyday UK banking?+
The card is built for spending a crypto balance rather than for running a UK current account, and the firm behind it is based in the US. The monthly fee of $0 makes it cheap to hold, and cashback of 2% rewards the spending.
Sources
- uphold.com checked September 26, 2026
Backs: Custody, Founded, Support channels
“We never loan out customer assets - and we don't just say it, we prove it.”
- uphold.com/en-us/debit-card checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Features, Currency conversion fee, Legal entity, Monthly fee, Card network
“ATM Withdrawal Fee ... Uphold Elite Card $0 / Uphold Essential Card $2.95”
- uphold.com/en-us/legal/uphold-referral-program-terms checked September 26, 2026
Backs: Headquarters, Licences
“Uphold HQ Inc. NMLS ID No. 1269875, Registered Office: 90 New Montgomery Street, Suite 412, San Francisco, California 94105.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.