Bitrefill Card vs Uphold Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Uphold Card ranks higher on the documented evidence (4.7/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitrefill Card |  Uphold Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | BTC sold when you top up | Not documented |
| Fees | ||
| Top-up fee | 1.99% | 0% |
| FX fee | 0% | 1.5% |
| Monthly fee | none | none |
| ATM fee | 2.49% | 0% |
| Cashback | 1% in EUR | 4% in XRP |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | $10000.0 | not documented |
| ATM daily limit | not documented | not documented |
| Max load | $15000.0 | not documented |
| Availability | ||
| Regions | EEA | US |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Bitrefill Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Uphold Card if
- Known fee stack (2.0 vs 1.5 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 1)
- Cheaper ATM withdrawals (0% vs 2.49%)
Bitrefill Card
exists - active; EEA-only Visa-Karte (Wallester AS), crypto-to-EUR at_load (1.99% + Spread), Cashback 1%+1% in EUR/Store-Credit statt BTC
Uphold Card
Back and verifiable: the Uphold Debit Card relaunched in the US with up to 4% back in XRP (Elite, $99.99/yr) or 2% (Essential, free), Visa acceptance with Apple/Google Pay, no credit check and FDIC pass-through on the USD balance. The trade-offs: rewards are XRP-denominated with conditions (holding periods, monthly caps), the program's history is pause-and-restart, and support tickets show crediting/adjustment friction. US-only (no NY/LA/territories).
More head-to-heads
FAQ
Which is better for privacy, Bitrefill Card or Uphold Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify