The Uphold XRP Rewards Debit Card is currently available throughout the United States.
Users can use it anywhere Visa is accepted, online or in-store.
Uphold offers up to 6% XRP on daily purchases.
Uphold, a leading digital asset platform, has officially relaunched its much-anticipated debit card for U.S. customers featuring generous benefits paid exclusively in XRP.
Ripple’s XRP is one of the most popular cryptocurrencies on the market and continues to gain traction as America’s affinity for cryptocurrencies grows.
In recent months, a resurgence in the U.S. market has seen several companies, including Robinhood and Burish, expand into the market.
Crypto.com, Gemini, and Coinbase are among the exchanges launching cryptocurrency rewards credit cards in the US.
Uphold offers XRP benefits via debit card
The reboot, announced on Thursday, October 30, brings back the service, which was discontinued in March 2023 due to regulatory hurdles.
The Uphold Crypto Rewards Card is issued by Cross River Bank as a Visa debit card.
This will allow U.S. residents in eligible states to use fiat currency, more than 300 cryptocurrencies, stablecoins, or metals anywhere Visa is accepted, including Apple Pay and Google Pay.
Uphold debit cards are now available across the US 💳
Use over 300 digital assets anywhere Visa is accepted, online or in-store.
Earn up to 6% XRP on daily purchases.
There is no credit check. No need to wait.
Your crypto, your card your way. pic.twitter.com/gbMBzRpGOT
— Uphold (@UpholdInc) October 30, 2025
According to details, the premium Uphold Elite card offers up to 6% XRP back on purchases, zero ATM or foreign transaction fees, and a metal physical card.
The fee-free Uphold Essential Card offers 4% XRP benefits with a modest fee. Users who activated before January 1, 2026 will have these promotional rates locked in for three months.
Directly deposit your paycheck to earn an additional 4% in XRP for a total of 10% back and potentially earn up to $800 per month.
What does this mean for the XRP market?
This reboot comes at a critical time for XRP and could help increase the real-world utility of the Ripple token.
Spend promotions and other activities drive demand, making Uphold a major market with more than 10 million global users.
In particular, this card encourages holding and accumulation. This is another XRP-focused campaign that could potentially mean less selling pressure and increase trading volume on the XRP Ledger.
Additionally, the reboot puts XRP in a competitive position against rivals such as Coinbase, Gemini, and Crypto.com.
Coinbase’s Bitcoin-backed card and Gemini’s Solana Rewards have had notable traction, and Uphold’s re-entry is a signal of interest within the broader trend of crypto rewards cards.
Ripple growth
The adoption of XRP in cross-border payments is one of the targets for cryptocurrencies.
But while Ripple looks to leapfrog past the hurdles it faced in the U.S. Securities and Exchange Commission lawsuit, other initiatives are also springing up.
The company launched its flagship stablecoin, Ripple USD (RLUSD), in 2024. There is increasing consolidation across the market, including Uphold.
The company is taking Acquisitions like stablecoin platform Railkey enable payments, loans, and money transfers to more people.
Recently, the company completed its acquisition of Hidden Road, becoming the first crypto company to own a global multi-asset prime broker.
