- Uphold brings back its XRP debit card, offering up to 6% rewards on crypto purchases.
- Paycheck deposits unlock an extra 4% in XRP rewards, bringing total earnings to 10%.
- XRP price fell over 8% in a day while trading volume jumped 10% beyond $6 billion.
Crypto wallet provider Uphold has reintroduced its debit card to the United States, offering users a new way to spend digital assets while earning XRP. The card, which operates on the Visa network, supports over 300 cryptocurrencies, stablecoins, and fiat currencies.
Users can now pay for purchases directly from their Uphold wallets and receive up to 6 percent back in XRP. The company paused its card program in early 2023 as Ripple faced its legal battle with the Securities and Exchange Commission. That case is now settled, and Uphold’s return signals fresh confidence in the U.S. crypto market.
Uphold Relaunches XRP Debit Card in U.S. (Source: X)
Nancy Beaton, the president of Uphold U.S., said the relaunch honors a long-standing connection with the XRP community. “We never delisted XRP, even in the tough regulatory times when every other exchange did,” she said. “And for that, XRP users are loyal to Uphold.”
Uphold: Rewards Structure and Spending Options
The new card includes two reward tiers. The Essential Card charges no annual fee and pays 4 percent in XRP on everyday purchases. The Elite Card, which costs $99.99 per year, boosts earnings to 6 percent and removes both foreign transaction and ATM fees.
Moreover, users who direct part of their paycheck into an Uphold account can earn an additional 4 percent, increasing the total rewards potential to 10 percent during the first 90 days. Cards are issued through Cross River Bank and connect directly to each customer’s Uphold wallet.
Spending can be funded by bank transfer, PayPal, direct deposit, or digital asset balances. This setup allows people to switch between crypto and fiat for payments without requiring additional steps.
Crypto Cards Gaining Ground Across the Industry
Uphold’s move arrives as crypto-linked cards become increasingly common. In 2025, Gemini launched a credit card that offers up to 4 percent back in Solana (SOL). The Fold platform also entered the space, teaming up with Visa and Stripe to deliver a Bitcoin rewards card.
These developments demonstrate how digital assets are transitioning from exchanges to everyday spending. For Uphold, centering the program on XRP gives it a distinctive edge. The company already serves a community that held on through difficult regulatory years, and the new product deepens that relationship.
Beaton described the card as a tool for both existing and new users. “You cannot get anything like this out in the market,” she added.
XRP Market Reaction
Even as the card made headlines, XRP’s market price slid. The token dropped more than 8 percent in a single day, trading near $2.41 after failing to push past resistance at $2.69. Current charts show support between $2.26 and $2.30, while the Relative Strength Index sits around 40, a level that often precedes further short-term weakness.
XRP Price Action (Source: TradingView)
Still, trading in XRP stayed lively even as the token slipped in price. According to CoinMarketCap data, the daily volume rose roughly 10% to a little over $6 billion, showing that traders have not stepped back. Several traders viewed the brief pullback as a buying chance, encouraged by Ripple’s improved standing after resolving its case with U.S. regulators.
A Step Toward Everyday Crypto Use
By reviving the XRP debit card, Uphold has positioned itself at the front of a renewed push to merge crypto with daily payments. The company’s decision to stand by XRP during its toughest period has earned lasting loyalty, and its latest product builds directly on that trust.
The relaunch highlights how the market is shifting from speculation to real-world utility. Uphold’s new card bridges digital assets with the familiar structure of a debit system, making crypto spending feel more like traditional finance.
With reward rates that rival any current offer, Uphold’s XRP card signals a practical future where digital currencies move from exchanges into everyday life.
