Uphold has brought back its XRP rewards debit card to the U.S. market after more than two years, enabling users to earn up to 6% in XRP on everyday purchases made with dollars, cryptocurrencies, or stablecoins. An additional 4% in XRP is available for those who allocate part of their salary directly to their Uphold account, making it one of the most generous crypto reward products in the American market.
The relaunch features two card tiers: the Elite Card (metal) offers up to 6% XRP back during a limited promotional period, then 3% thereafter, with no ATM or foreign transaction fees and higher spending limits. The Essential Card (plastic) provides 4% XRP back during the promo, dropping to 2% standard. Users enrolling before January 1, 2026, will receive promotional rates for their first 90 days, and both virtual and physical cards are available, with physical shipping at a later date.
This move reinforces Uphold's long-standing support for XRP, as the exchange did not delist the token during its regulatory disputes with the U.S. SEC. Executives highlight that this loyalty has built a strong XRP user base, driving demand for practical crypto payments. The initiative aligns with broader trends, such as Gemini's Solana credit card and increased crypto integrations by Visa and Mastercard, positioning Uphold to enhance crypto adoption in daily financial activities.
Earlier in March 2025, Uphold reinstated staking rewards for 19 digital assets, including Ethereum, Solana, and NEAR, and the card's return adds another layer of user incentives to boost retention and mainstream crypto utility.
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