Provider comparison
BitPay Card vs Uphold Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
The Uphold Card is a crypto debit card that lets you spend your digital assets anywhere Visa is accepted. It …
Effective rewards
BitPay Card
Uphold Card
Reward asset
BitPay Card
Uphold Card
Custody
BitPay Card
Uphold Card
Annual fee
BitPay Card
Uphold Card
FX fee
BitPay Card
Uphold Card
ATM fee
BitPay Card
Uphold Card
Conversion spread
BitPay Card
Uphold Card
Network
BitPay Card
Uphold Card
Apple / Google Pay
BitPay Card
Uphold Card
Region availability
BitPay Card
Uphold Card
| Feature | BitPay Card | Uphold Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 4% (crypto/metals-funded) / 3% (fiat/stablecoin-funded) in rewards currency |
| Reward asset | None (occasional promos) | XRP (current rewards currency) |
| Custody | Custodial | Custodial |
| Annual fee | $0 stated | Verify (no annual fee stated) |
| FX fee | ~3% foreign transaction fee (poor for travel) | Verify |
| ATM fee | Applies | Applies |
| Conversion spread | BitPay conversion rate on load | Uphold spread on funding conversion |
| Network | Mastercard | Mastercard |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | US and select markets |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
Uphold Card
The Uphold Card is a crypto debit card that lets you spend your digital assets anywhere Visa is accepted. It offers flexibility and convenience but requires careful consideration of fees and security.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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