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 card purchases funded from your cash balance — with no annual fee, no foreign transaction fees and a free virtual card. There's no sign-up bonus, 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 Claim

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 (£9.95 one-off delivery fee)
3. Add a GBP cash balance to your account
4. Spend on the card as normal — purchases funded by your cash balance earn 1% back
5. Cashback is paid in GBP into your Uphold account by the 15th of the following month

Requirements

• UK resident, 18+ (business accounts excluded)
• Spending must be funded by your cash balance — purchases funded by crypto don't earn cashback

Important Terms

• Cashback: 1% on eligible card purchases funded by your cash balance; capped at £100 cashback per month
• Fees: no set-up or annual fee, no foreign transaction fees, free virtual card; physical card £9.95 one-off; ATM withdrawals £2.50 in the UK and £3.50 abroad
• Limits: up to £10,000 spend and 50 transactions per day
• No sign-up bonus — the value is purely the ongoing 1%
• Card issued by Optimus Cards UK Limited, an FCA-authorised e-money institution (Mastercard); e-money isn't FSCS-protected
• Some merchant categories are excluded from cashback — check the current card terms

Tips

• Use it as your everyday spending card to passively rack up 1% on almost everything
• Stick with the free virtual card in Apple Pay or Google Pay to avoid the £9.95 physical card fee
• 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