Uphold Card review

The monthly fee is $0, so there is no recurring charge for keeping the card active. Spending can still carry costs, such as conversion fees of 1.5% when you pay in a currency other than the balance currency. Cashback of 2% offsets part of everyday spend.

It is a debit card on the visa network, so it works wherever Visa is accepted. The provider also offers a virtual card, which is useful for online payments or for keeping a separate card number. Travel spending is listed among the supported uses.

Free ATM withdrawals are $0, so there is no included free allowance under this listing. The card ranks 38 of 104 brands on this point, with the group median at €0. Cash machine use beyond the listed figure may carry a charge.

Custody is custodial, meaning the provider holds the assets rather than you holding the keys yourself. The operating company is Uphold HQ Inc., based in the US, and the group was founded in 2014. Anyone who wants to manage their own keys should look at a self-custody setup instead.

Two regulators appear for the group: the National Mortgage Licensing System (NMLS) in the US, with identifier 1269875, and the Bank of Portugal in Portugal. Licence records cover the group, so card-specific coverage should be checked against the account terms.

Support runs on help centre, so the help centre is the listed route for questions. No live chat or phone line sits alongside help centre, which can feel slow for urgent card problems. A blocked or lost card is raised through the same help centre.

Cashback of 2% applies to card spend, and the card is built for crypto holders spending a digital asset balance day to day. A virtual card covers online use and a physical card covers travel. The monthly fee of $0 keeps it cheap to try alongside a crypto account.

The monthly fee of $0 puts Uphold Card at 1 of 379 brands, matching the group median of €0. The weaker spot is conversion: 1.5% against a median of 1%, ranking 133 of 237.