Uphold Mastercard 卡是加密信用卡世界中相对较新的产品; 然而, 该产品背后的公司 (最初称为 Bitreserve) 从那以后一直在比特币和加密货币领域运营 2014. 该产品主要侧重于充当许多人过去在其个人银行账户中使用的传统借记卡. 当然, 与 Uphold Card 的主要区别在于，用户在可用作卡支付支持的资产方面有更多种类. 明显地, 用户在使用这张比特币借记卡时可以使用各种加密货币支付商品和服务, 但乐趣不止于此. 用户还可以在 Uphold 交易所以各种法定货币和贵金属存储价值. 此外, 这张卡的特点 2% 使用加密货币购买的现金返还, 这在这个领域基本上是闻所未闻的, 至少对于没有附加专有代币的卡产品而言.
The Uphold Card enables users to earn up to $5,000 cashback each month on in-store and online purchases. The maximum monthly cashback payout is $100 for users who only spend crypto assets, 和 $50 for users who only spend fiat currencies. For users who utilize both crypto and fiat, the maximum payout is somewhere between $50 和 $100.
Users who make purchases using crypto assets will receive 2% 返现金. Payouts are received in the same crypto asset that was used to make the purchase. If multiple crypto assets are used to make purchases, separate cashback payments will be sent for each asset.
Users who make purchases with any supported fiat currency (欧元, 英镑, 美元, etc.) will receive 1% cashback in USD.
Note: Cashback payouts for crypto asset and fiat currency transactions are calculated monthly and distributed within 90 days. The cashback value must be at least $1.00 in order for the user to receive funds. If the payout value is less than $1.00, the amount carries over to the following month(s) until the $1.00 threshold is reached.
当然, there are some downsides to the Uphold Mastercard card as well. The biggest dealbreaker for many will be the simple fact that this card is not yet widely available. It is currently only available in the United States, and even there, there is limited availability at this time.
The Uphold Mastercard card also isn’t free. This may be a dealbreaker for some who are used to getting a debit card or prepaid card for free whenever they sign up for a new service.
While the fees for moving funds between bitcoin and fiat currency are rather reasonable, it’s also true that the fees are sort of hidden in the exchange rate presented to the user. Some potential users may view this as a dealbreaker for the simple fact that they think the company should be more transparent about the fees being charged to users.
One last potential dealbreaker to consider is that the cashback rewards aren’t as high as some of the other cards on the market. Having said that, this crypto debit card also does not have its own proprietary token, and those kinds of tokens are usually heavily integrated in platforms offering high cashback rewards, effectively forcing users to hold a token they may otherwise not choose to hold.
In order to qualify for an Uphold Card, existing Uphold users must request a card through the Uphold Card mobile app.
The card application process works as follows:
The Uphold Card mobile app is used for card registration, 卡激活, fund deposits, and fund withdrawals.
Here are a few key details about the mobile app:
Once your card arrives in the mail, activate it using the Uphold Card mobile app. In the package, you will find the physical card and a letter that includes the card’s activation code.
To activate the card via the Uphold Card mobile app, tap “Activate physical card”. To activate the card by phone, dial 1-855-568-8580 and press 1. Be sure to have your activation code ready before calling the number.
The Uphold Card is linked to the existing balance of your Uphold exchange account. The card enables you to make purchases directly using your available assets. You can deposit funds from an external credit/debit card, bank account, or crypto asset wallet.
Note: Uphold supports numerous assets, but only allows users to deposit and withdraw a select few assets.
Bank transfers are available for the following fiat currencies: 美元, 欧元, GPB, CAD, and PLN.
External wallet transfers are available for the following crypto assets: 比特币, LTC, ETH, BCH, BAT, LINK, ZRX, DASH, BTG, XRP, UPT, OMG, STORM, UPBTC, TUSD, 戴, 美元兑美元, USDT, UPUSD, and UPEUR.
Additional fiat, crypto, and precious metal assets supported by the Uphold Card can only be spent via the Uphold Card or traded on the Uphold exchange.
Using the Uphold Card for purchases is comparable to using a traditional debit card, with only a few slight differences.
An Uphold Card transaction works as follows: