- Uphold XRP rewards debit card is now available across the United States.
- Cardholders can spend anywhere Visa is accepted, online or in-store.
- Uphold offers up to 6% back in $XRP on everyday purchases.
Uphold, a leading digital-asset platform, has officially relaunched its highly anticipated debit card for customers in the United States, offering generous rewards paid exclusively in XRP.
Ripple’s XRP remains one of the most well-known cryptocurrencies, and its profile is growing as the U.S. market becomes more crypto-friendly.
In recent months, several companies have expanded or returned to the American market, including Robinhood and Bullish.
Exchanges such as Crypto.com, Gemini and Coinbase are also introducing crypto-rewards credit and debit cards in the U.S.
Uphold brings XRP rewards to a debit card
The relaunch, announced on Thursday, October 30, revives a service that was paused in March 2023 due to regulatory challenges.
Cross River Bank issues the Uphold Crypto Rewards Card as a Visa debit card.
Eligible U.S. residents can spend fiat, more than 300 cryptocurrencies, stablecoins or metals anywhere Visa is accepted, including via Apple Pay and Google Pay.
The Uphold Debit Card is now available across the U.S. đź’ł
Spend 300+ digital assets anywhere Visa is accepted, online or in-store.
Earn up to 6% in $XRP on everyday purchases.
No credit checks. No waiting.
Just your crypto, your card, your way.
The premium Uphold Elite card offers up to 6% back in XRP on purchases, zero ATM or foreign transaction fees and a physical metal card.
The free Uphold Essential Card provides 4% back in XRP with modest fees. Users who activate the card before January 1, 2026 lock in promotional rates for three months.
Direct deposit of paychecks unlocks an additional 4% in XRP — potentially delivering up to 10% back and as much as $800 per month in rewards.
What this means for XRP markets
The relaunch comes at an important time for XRP and could help improve the token’s real-world utility.
Incentivizing spending and other on-chain activity increases demand, and Uphold’s global user base of over 10 million could be a meaningful audience for adoption.
The card also encourages holding and accumulation, which may reduce immediate sell pressure and contribute to higher transaction volumes on the XRP Ledger.
Moreover, Uphold’s return positions XRP competitively versus offerings from Coinbase, Gemini and Crypto.com.
Coinbase’s Bitcoin-back card and Gemini’s Solana rewards are notable draws, and Uphold’s relaunch reflects a broader trend toward crypto-rewards cards.
Ripple’s ongoing growth
One of XRP’s long-term goals is broader adoption for cross-border payments.
As Ripple works to move past challenges stemming from litigation with the U.S. Securities and Exchange Commission, the company has pursued other initiatives.
Ripple launched its flagship stablecoin, Ripple USD (RLUSD), in 2024 and is expanding integrations across markets, including with platforms like Uphold.
The company continues to extend payments, lending and remittance services through acquisitions such as the stablecoin platform Rail Key.
Recently, Ripple completed the acquisition of Hidden Road, becoming the first crypto company to own a global multi-asset prime broker, further broadening its institutional capabilities.