Key Takeaways
- Uphold’s new U.S. debit card offers up to 10% back in XRP rewards.
- Users earn 6% on spending and 4% for paycheck deposits.
- The relaunch strengthens Uphold’s long-standing ties with the XRP community.
- Crypto card competition is heating up with new entries from Gemini, Visa, and Mastercard.
Uphold Brings Back XRP Rewards for U.S. Users
Uphold has officially relaunched its U.S. debit card after a two-year pause, allowing users to earn up to 10% in XRP rewards. The move strengthens Uphold’s relationship with its dedicated XRP community and positions the company as a leader in crypto-backed payment solutions.
The card offers 6% back in XRP on purchases made with U.S. dollars, cryptocurrencies, or stablecoins. Additionally, customers who direct-deposit portions of their paychecks into their Uphold accounts can unlock an extra 4% in XRP rewards. Together, these incentives offer one of the most generous crypto rewards programs on the market.
A Strategic Move Rooted in XRP Loyalty
Nancy Beaton, Uphold’s chief revenue and marketing officer, said the decision was driven by the platform’s strong XRP user base. “We have a really high concentration of XRP holders in our community,” Beaton noted. “We never delisted XRP, even in the tough regulatory times when every other exchange did—and for that, XRP users are loyal to Uphold.”
Also Read: XRP Is Quietly Taking Over Asia as Financial Infrastructure Replaces Speculation
This loyalty is now being rewarded. Uphold’s move aligns with a broader trend of crypto platforms launching cards to integrate digital assets into everyday spending.
Competing in the Expanding Crypto Card Market
The timing of Uphold’s relaunch coincides with increased activity in the crypto payments space. Earlier this month, Gemini unveiled a crypto credit card offering 4% Solana rewards, while traditional payment giants like Visa and Mastercard continue to expand crypto settlement partnerships.
Uphold’s return to the U.S. card market—after discontinuing its previous version in 2023—signals renewed confidence in digital asset adoption. The company first hinted at the card’s return in May, with U.K. users already enjoying similar benefits.
A Boost for Everyday Crypto Utility
Beaton emphasized that the program not only rewards loyal users but also attracts new participants. “You cannot get anything like this out in the market,” she said. The promotional reward rate is valid for 90 days after signup, giving users a strong incentive to join early.
Also Read: Top 10 Crypto Trends for the Next Bull Run
Earlier this year, Uphold also reinstated staking rewards for U.S. customers across 19 digital assets, further expanding its ecosystem of passive income opportunities.
Conclusion
Uphold’s revamped debit card underscores the company’s long-term commitment to Ripple holders and the broader goal of integrating crypto into daily financial life. With one of the highest reward rates in the industry, Uphold is setting a new benchmark for crypto payments in 2025.
