Uphold Uphold Essential Card Review 2026: Fees, Rewards & Availability

Our verdict

XRP rewards Availability is available only to us residents residing in us states and washington d.c. not available in louisiana, new york, or us territories.. The spreadsheet currently records free for recurring or annual fees and up to 2% xrp back, up to $120. for rewards.

Rewards

Published reward: Up to 2% XRP back, up to $120.. Up to 2% XRP back, up to $120.

Stablecoin yield

Spreadsheet value: Not publicly confirmed.

Stablecoin yield may be a separate provider product or balance feature. It is not guaranteed card cashback, and rates, eligible assets and regional terms can change.

Fees

Annual / recurring	Free
FX	1.5% FX
Conversion	Not publicly confirmed
ATM	Not publicly confirmed
Limits	Spending and ATM limits vary by country and card plan and are shown in the app/terms.

Apple Pay and Google Pay

Not publicly confirmed

A blank spreadsheet wallet field is shown as “Not publicly confirmed,” not “No.” Wallet support can vary by issuing region.

Custody and payment model

Custodial account. Card type: Debit. Identity checks: Full.

Availability

Available only to US residents residing in US states and Washington D.C. Not available in Louisiana, New York, or US territories.

Regional summary: US.

Pros and cons

Potential strengths

+ XRP rewards
+ Official application route available
+ Product facts maintained in the Cards spreadsheet

Limitations

− Eligibility varies by region
− Rewards and rates can be conditional
− Unknown fields require provider confirmation

Risks and detailed terms

Crypto conversion, custody, issuer, network, market and stablecoin risks may apply. Headline rewards and yields are not guaranteed for every user. Review the provider’s current fees, eligibility and cardholder terms before applying.

Official sources

Last verified in the spreadsheet: 2026-07-31

Uphold Uphold Essential Card Review 2026

Essential metrics