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Uphold crypto debit card review

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Earn up to 2% back in crypto rewards and 1% cash back on all purchases, but it’s not available yet.

The Uphold crypto debit Mastercard offers rewards on all purchases at over 50 million merchants worldwide with no foreign transaction fees. Available as both a virtual or plastic card, you use the app to select the funding source you want to use at the point of sale. But the card won’t launch until later in 2022.


  • No staking requirements
  • Crypto rewards are in the same crypto you spend


  • Brand new product
  • Customer support is unresponsive

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Quick stats: Pros and cons

Here’s an overview of Uphold’s major pros and cons.


  • No foreign transaction fees
  • 2% back in crypto rewards and 1% USD cash back on every purchase
  • Choose the funding source you want on the app — either USD or crypto
  • Available as both a virtual and plastic card with chip and PIN
  • Accepts over 40 cryptocurrencies, 23 national currencies and precious metals


  • Must join the waitlist, though it’s unclear when it’s available
  • Conditions may change later in the year
  • Charges a $2.50 fee for ATM withdrawals

What we think about the Uphold debit card

The Uphold card is best for crypto investors who want more control over how they spend their crypto. After you receive the physical card, you set up which funding source you want to use in the app. And unlike some other crypto debit cards, you can use the card to make purchases and withdraw cash from ATMs. But you’ll pay a fee for every ATM withdrawal you make.

But with no foreign transaction fees on purchases, Uphold may work well for travelers who need to access cash on the road. You can take out local money in more than 180 countries, and the card deducts the value from your crypto balance without any manual conversion into USD.

You’ll also earn rewards on every purchase: 1% cash back whenever you spend fiat and 2% in crypto rewards when you spend crypto. For example, if you spend Bitcoin, you’ll get 2% in Bitcoin back. This is a nice feature, as many companies pay back in their native tokens, not in the same cryptocurrency you’re spending. But it’s unclear if this same program will be available once the card launches later this year.

2 benefits of the Uphold card

  1. No staking requirements. You don’t need to stake — or lock up — your assets or crypto for a specific time to start earning rewards.
  2. Crypto rewards are in the same crypto you spend. While many crypto debit cards pay back rewards in native tokens, you get crypto rewards in the same form as you spend them. For example, 2% back in Bitcoin for spending Bitcoin.

2 drawbacks of the Uphold card

  1. Brand new product. As a new card, it doesn’t have a track record or enough customer reviews to compare it with other cards.
  2. Customer support is unresponsive. Unless you’re a current customer, it’s hard to get any information about the debit card, and you’ll need to wait days for a response.

How to apply for the Uphold debit card

To apply for the Uphold debit card when it’s available, get on the waitlist.

  1. Visit the Uphold website.
  2. Navigate to the Products tab, then select Debit Card.
  3. Select Join the waitlist and enter your email address.


Get an Uphold debit card when you meet these requirements:

  • At least 18 years old
  • US resident — with the exception of residents of US territories

Uphold debit card supports 9 cryptocurrencies

  • Augur (REP)
  • Basic Attention Token (BAT)
  • Bitcoin (BTC)
  • Bitcoin Cash (BCH)
  • Dai (DAI)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Stellar Lumens (XLM)
  • 0x (ZRX)

Is Uphold safe to use?

As with all crypto banking products, your deposits with Uphold aren’t FDIC insured. This means that any deposits you have with Uphold aren’t as safe as they would be at a traditional bank.

Compare Uphold to other crypto debit cards

Use this table to compare other crypto debit cards by fees and features to find the right one for your needs.

1 - 2 of 2
Name Product Rewards Staking requirement Supported cryptocurrencies
Not rated yet
Up to 8%
The Wirex debit card lets you spend dollars or crypto in stores and online while earning up to 8% back. It is not available in NY and Hawaii. Fiat currency held in your account is FDIC-insured.
Robinhood Cash Card
Finder Rating: 4.3 / 5: ★★★★★
Robinhood Cash Card
The Robinhood Cash card lets you invest spare change in your brokerage or crypto account, earn cash back as you spend and more. Robinhood Cash card is FDIC insured. Robinhood brokerage or crypto account is not FDIC insured.

Fees and exchange rates

Watch out for these fees when using the Uphold card:

Type of feeAmount
Card issuance feeDomestic withdrawal fee.International withdrawal fee

There are no fees to make purchases in the US and no foreign exchange fees. You can spend up to $5,000 per transaction, with a maximum of $10,000 per day. The maximum cash withdrawal is $500 per transaction, with a maximum withdrawal limit of $1,500 per day.

For example, if you were to pull $1,500 out of a US ATM, it would cost you $7.50 in fees — $2.50 x 3.

How do I deposit or withdraw my money?

While there’s not yet information available on how to withdraw funds, here’s is how to deposit funds into your Uphold debit card.

  • Mobile app. Tap the transact icon at the bottom of the screen and follow the instructions to fund the card.
  • Web wallet. In the right corner, select the Transact Panel and follow the instructions to fund the card.

Uphold reviews and complaints

Uphold as a company earns 2.1 out of 5 stars based on over 6,100 Trustpilot reviews as of March 2022. There are no reviews for the debit card since it hasn’t yet launched. Positive reviews for the company claim that they “love the platform” or have experienced “no problems” without adding any real details.

Negative reviews go into extensive detail about the problems users encountered, such as deposits taking a long time to clear, poor customer service and high fees when selling assets.

How to contact Uphold

Contact Uphold in two ways.

  • Email
  • Submit a help ticket on Uphold’s website.
  • Post a question on Uphold’s Reddit page, r/UpholdOfficial/.

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