Uphold Debit Card - 1% Cashback on All UK Spending

Overview

Uphold is a multi-asset money platform whose Mastercard debit card pays 1% cashback on virtually all UK spending — with no annual fee, 0% foreign-exchange fees, and a free virtual card. There's no UK sign-up bonus and no refer-a-friend, but the flat 1% (capped at £100 cashback a month) makes it a strong everyday card to stack on top of other cashback.

How to Get Started

1. Click the link on this page and create a free Uphold account
2. Order the debit card — a free virtual card is issued instantly; a physical card is optional
3. Add a GBP balance to your account
4. Spend on the card as normal — purchases funded by your GBP balance earn 1% back
5. Cashback is paid in GBP into your Uphold balance within 15 days of each month-end

Requirements

• UK resident, 18+
• Spending must be funded by your GBP balance to earn cashback

Important Terms

• Cashback: 1% on card purchases funded by your GBP balance; capped at £100 cashback per month
• Minimum payout: £1 — amounts below that roll over to the next month
• Fees: no annual fee, 0% FX fees, free virtual card
• No UK sign-up bonus and no UK refer-a-friend — the value is purely the ongoing 1%
• Card issued by Optimus Cards UK Limited, an FCA-authorised e-money institution (Mastercard)
• Some merchant categories may be excluded from cashback — check the current card terms

Tips

• Use it as your everyday spending card to passively rack up 1% on almost everything
• Stacks well with online cashback (TopCashback / Quidco) and gift-card cashback apps — pay with the Uphold card on top of those
• The £100/month cap means roughly £10,000 of monthly spend before you stop earning — plenty for most people