With the Uphold Debit Card, you can earn rewards every time you spend. Choose your program and learn about the benefits designed to give more value back on your purchases.
Uphold Debit Card in the UK 🇬🇧
You’ll earn 1% cashback in GBP on card purchases funded by your GBP balance.
- Heads up: Purchases made with crypto or other non-GBP balances don’t earn rewards.
Payouts: Rewards are calculated at the end of each month and added to your Uphold balance within 15 days. The minimum payout is £1.00 GBP - if your rewards are below this, they’ll roll over to the next month.
Monthly rewards are capped at £100 GBP.
Uphold Debit Card in the US 🇺🇸
In the US, there are two Uphold Debit Card products with different rewards programs: Elite and Essential. Each program offers unique benefits and reward rates, giving you the flexibility to pick the one that best fits your spending style.
Here are some of the main points:
- Rewards are calculated monthly and added to your Uphold balance within 10 business days.
- The minimum payout is $1.00 - if your rewards don’t reach that in a month, they’ll roll over.
- You can track your rewards, earnings, limits, and more in the Uphold app.
- Terms and conditions apply.
Check out the details:
| Elite tier | Essential tier | |
| Card type(s) | Virtual and Metal Card | Virtual Card with optional Plastic Card |
| Annual fee | $99.99 1 | $0 |
| Physical card | $0 Includes premium Metal card |
$4.99 |
| Card replacement policy | 1 free replacement card per year; $29.99 for every additional card | $4.99 for all physical cards |
| Rewards |
4% 3% |
1% back in XRP on eligible purchases |
|
Reward monthly cap Rewards accumulated over the cap do not carry over |
$300 | $120 |
| Rewards currency | Your choice: Crypto, Stablecoins, or Metals |
XRP |
| Learn more about the Card limits & transaction fees | ||
1 Automatically renewed unless cancelled before the renewal date
How does the Elite Card subscription work?
The Elite Card comes with an annual subscription fee. Here’s how it works:
- Automatic renewal: Your subscription renews automatically each year. The fee is deducted from your selected card funding source.
- Cancellation: You can cancel your subscription anytime in the app by going to the Uphold Card Settings > Cancel Card.
-
After cancellation: Your Elite Card will remain active until the end of your current subscription period. The fee is non-refundable, and the card won’t be cancelled immediately.
Can I upgrade from Essential to Elite?
Yes. You can upgrade your plan anytime in the app under the Uphold Card Settings > Upgrade card. Your card number stays the same, but your expiry date and CVV will change.
After you upgrade, remember to update your payment details for any recurring subscriptions or linked services.
Note: Fees already paid for ordering a physical Essential Card are non-refundable.
Where can I check my reward details?
You can easily track your earnings, limits, and more in the Uphold app:
- Tap on your Card tile > Settings > Rewards
Here you'll find your next payout date and the total rewards you’re set to receive.
Which merchant categories don’t qualify for rewards?
Some transactions and merchant categories are excluded from earning rewards. These include (but aren’t limited to):
- Money orders, wire transfers, and other cash-like transactions
- Financial institutions and quasi-cash transactions
- Security brokers, dealers, and stored value loads
- Gambling, betting, lotteries, and casinos (including online)
- Government services, taxes, fines, bail, and loan payments
- Charitable, political, and religious organizations
- Timeshares, escort services, and debt collection agencies
For full details, see the complete list of excluded categories below.
Click to view full list
- Postage transaction charge
- Money orders - wire transfer
- Drugs, drug proprietaries and druggist sundries
- Chemicals and allied products (nec)
- Telemark, travel-related arrangement services
- Outbound telemarketing merchant
- Inbound teleservices merchant
- Financial institutions - manual cash disbursements
- Financial institutions - automated cash disbursements
- Financial institutions - merchandise & services
- Quasi cash - member financial institution
- Quasi cash
- Security brokers/dealers
- Remote stored value load - member financial institution
- Remote stored value load
- Payment service provider - money transfer
- Payment transaction - member financial institution
- Payment transaction - merchant
- Money transfer - member financial institution
- Value purchase - member financial institution
- Moneysend intracountry
- Moneysend intercountry
- Mastercard moneysend funding transaction
- Poi funding transactions
- Mastercard initiated rebate/rewards
- Overpayments
- Savings bonds
- Timeshares
- Escort services
- Hospital patient personal funds withdraw
- Debt collection agencies
- Government-owned lotteries
- Government licensed casinos (online gambling)
- Government licensed horse/dog racing
- Video game arcades/establishments
- Betting, wagering, lottery, gambling tickets or chips
- Charitable or social services organizations
- Political organizations
- Religious organizations
- Alimony, child support or court costs
- Fines
- Bail and bond payments
- Tax payments
- Government services (nec) or fire departments
- Ipurchasing pilot
- Intergovernment transactions
- Government loan payments
- Automated referral service
- Visa credential server
- GCAS emergency services (visa use only)
- U.K. supermarkets, electronic hot file
- U.K. petrol stations, electronic hot file
- Gambling - horse, dog racing - state lottery
- Intra-company purchases
- Client defined MCC