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Last Updated: November 2, 2025
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Uphold Cashback Card Review Review (UK, 2025)
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Uphold Cashback Debit Card - Get 1% Cashback on All Spending
Uphold is one of the best cashback debit cards available, offering UK users 1% cashback on nearly all spending (excluding items like money transfers). It also has zero foreign currency transaction fees and uses the Mastercard interchange rate, making it an economical choice for international spending. Users can earn cashback with the free virtual debit card. However, if you prefer a physical card, there is a £9.95 fee for delivery. Instead of paying this fee, consider using the Curve card, which has a £5.99 delivery fee but comes with a £10 bonus that covers it. You can link the virtual Uphold card to Curve to enjoy both cashback benefits and a physical card. For more information about the Curve promotion, visit this link.
How to Get 1% Cashback on All of Your Spending
- Visit the Uphold website here* on your mobile phone.
- Click on the “Get Started” or “Get your Card” buttons to download the Uphold app from your app store.
- Sign up, verify your email/phone number and complete KYC (Know Your Customer). You may also have to answer the self categorisation statement, as Uphold is also a cryptocurrency platform (you will only use the £ sterling account, and won't actually be using Uphold to purchase cryptocurrency).
- Activate your virtual card: In the Uphold app, tap the card tile and activate your virtual Uphold card.
- Select your GBP account as the funding source.
- Top up your GBP account: Click on the GBP account and follow the instructions to top up your account by bank transfer, Google Pay etc.
- User your card online: use your virtual card details to make online purchases, or
- Use your card in store: add your virtual card to your mobile wallet (Apple Pay or Google Wallet) or Curve Card to spend in store.
For further details, including frequently asked questions, please visit our FAQ Section or the Uphold Help Center.
*Terms apply.
Non-Uphold fees may apply. Uphold Card is Issued by Optimus Cards UK Limited, a
principal member of Mastercard and authorised by the FCA.
Contents
Uphold Cashback Debit Card Review
Uphold Debit Card - Get 1% Cashback On All Spending
Name: Uphold Debit Card
Description: Uphold is a financial services provider offering the Uphold Debit Card, designed to enhance everyday spending with a straightforward rewards program that offers 1% cashback on all purchases in the UK. Although it’s not a traditional bank, Uphold operates under an e-money license and partners with banking institutions to deliver reliable financial services.
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Cashback Rewards
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Fees and Charges
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User Experience
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Security Features
4.6
Summary
The Uphold Debit Card offers a simple and effective way to earn cashback on everyday purchases while maintaining ease of use and cost-efficiency. This card provides a straightforward 1% cashback on all UK purchases, with no annual fee, making it a compelling choice for those seeking to maximize rewards on their spending. The card can be managed through the Uphold app or online platform, ensuring that tracking and managing your spending is convenient.
Key Features
1% Cashback on All Purchases: Earn 1% cashback on every purchase made within the UK, adding value to your everyday spending. Since Uphold is a debit card, it is accepted everywhere.
Fee-Free Overseas Spending: Uphold has no foreign currency conversion fees, so you can use your card overseas without incurring additional costs. The card uses the Mastercard exchange rate, so its one of the best cards to use abroad.
No Annual Fee: The card has no annual fee.
Stacking: Uphold Cashback stacks with many other cashback platforms. For example, you can get additional cashback when purchaseing supermarket giftcards.
In summary, the Uphold Debit Card is a great choice for those looking for a straightforward cashback reward system with no annual fee. However, the physical card delivery fee is a stinger (I recommend people just use the virtual card).
Pros
- 1% Cashback: Earn 1% cashback on all UK purchases.
- Virtual Card: although you can get a physical card, you can earn cashback using your virtual Uphold Debit Card.
- No Annual Fee: There is no fee to use the Uphold Debit Card (unlike AMEX credit cards).
- 0% FX Fees: Uphold has no foreign transaction fees.
- User-Friendly App: Easy management via the Uphold app.
- Fraud Protection: Includes robust security features and card locking options.
- Widely Accepted: the card can be used for both online and in-store purchases.
Cons
- E-Money License: Uphold operates under an e-money license rather than a full banking license, which might limit certain banking features.
- £9.95 Delivery Fee for Physical Card: A fee for receiving a physical card, which is a bit of a drawback for those who prefer a plastic card.
Stack Uphold with Other Cashback Platforms
At the time of writing, CashInStyle pays more than all other similar websites and rewards apps. But the rewards on all platforms change so often, we made an offer comparison tool, “The Get-Paid-To Search Engine”. If you are going to start an offer, you should check the tool to see if any other sites will pay you more!
Click to visit our tools and find the highest paying sites.
Stack Uphold with Other Cashback Platforms
One of the best things about the Uphold Card is that it is a genuine debit card, and the 1% cashback offers can be used in tandem with cashback from other platforms. For example, Uphold’s cashback stacks with that given on various cashback apps and gift card platforms. This means you can earn cashback not only from using your Uphold Card but also from other cashback programs, maximizing your savings. The best cashback apps are listed in our Gift Voucher Discount Directory.
Uphold Debit Card Frequently Asked Questions
The Uphold Card is a debit card linked to your Uphold account, accepted at over 50 million merchants worldwide through the Mastercard network. Unlike pre-loadable cards, it allows for automatic conversion of your Uphold assets into fiat currency for spending.
- Wide Acceptance: Use it at millions of global merchants.
- Cash Back Rewards: Earn 1% cash back on purchases funded by a national currency balance.
- Low Foreign Exchange Rates: Benefit from competitive FX rates with no additional fees when traveling.
- Instant Alerts: Get real-time spending alerts and detailed purchase analytics.
- Convenience: Add your card to Apple Pay or Google Pay for easy transactions.
The Uphold Card is available to customers in the United Kingdom.
- Order your physical card: it costs a heft £9.95 (better to add to Curve).
- Receive Your Card: Your physical card will be sent to you.
- Activate It: Open the Uphold app, navigate to the card section, and follow the activation steps.
- Select Funding Source: Open the Uphold app, tap the card section, and choose your funding source.
- Top-Up: If needed, select “Top-up your funding source” and follow the instructions to convert assets in your Uphold wallet.
Apple Pay:
- On iPhone, open the Wallet app, tap the plus sign, and follow the instructions.
- On Apple Watch, open the Watch app on your iPhone, go to “Wallet & Apple Pay,” and tap “Add Credit or Debit Card.”
Google Pay:
- Open the Google Wallet app, scroll to the bottom, tap “Add to Wallet,” select “Payment card,” and follow the instructions.
Virtual Card: Free to activate.
Physical Card Replacement: £9.95.
ATM Withdrawals:
- UK & EU: £2.50
- Rest of the World: £3.50
Limits:
- ATM Withdrawals: £500 per transaction, up to £1000 daily.
- Retail Transactions: £10,000 per transaction, up to £10,000 daily.
Yes, cashback rewards are subject to limits. Starting January 8th, 2024, you’ll earn 1% cash back on purchases funded by a GBP. You can earn a maximum of £100 in cashback rewards each month. Rewards are calculated monthly and added to your Uphold balance within 15 days. To qualify for cashback, rewards must total at least 1.00 GBP; otherwise, they will be carried over to the next month.
No, there are no additional foreign exchange fees when you use your Uphold Card abroad. You benefit from competitive FX rates, saving you from the high fees typically charged by banks.
Yes, often CashInStyle requires identity verification. CashInStyle is very upfront about this, and they will offer users enhanced payment speeds if they verify their account with face recognition or ID. This is a common practice among similar rewards platforms to prevent fraud and ensure compliance with legal regulations. It usually happens if an account has been flagged. For verification, CashInStyle use the third-party service, Verisoul. Verification includes providing a photo ID to confirm that you are a genuine user.