TL;DR
- Uphold reintroduces its U.S. debit card, offering users the ability to earn XRP rewards of up to 6% on everyday spending with dollars, cryptocurrencies, or stablecoins.
- An additional 4% in XRP is available for users who choose to allocate part of their salary directly to their Uphold account.
- The initiative strengthens Uphold’s long-standing link with XRP holders and reinforces crypto adoption in daily financial activity across the United States.
Uphold is bringing its XRP rewards debit card back to U.S. users after more than two years, marking a renewed effort to integrate cryptocurrencies into everyday spending. The company confirmed that customers will earn up to 6% in XRP on eligible purchases made with dollars, crypto, or stablecoins. Those who decide to route part of their paycheck to Uphold can unlock an extra 4% in XRP, positioning the card as one of the most generous crypto-linked reward products currently available in the American market.
A notable angle behind this relaunch is Uphold’s consistent relationship with XRP. While many platforms paused support during challenging regulatory periods in the U.S., Uphold maintained availability for the asset. Executives say this loyalty has resulted in a particularly strong XRP user base, creating a natural demand for a card that rewards spending with the token. The company expects this step to drive higher engagement, not only among current users but also new adopters exploring practical crypto payments for the first time.
Expanding Everyday Crypto Utility
In recent months, the U.S. crypto sector has seen renewed momentum in payment products. Gemini recently introduced a credit card that offers up to 4% back in Solana, while Visa and Mastercard continue accelerating crypto payment integrations. Uphold aims to differentiate itself by offering not just rewards, but a more flexible spending model supporting both fiat and multiple digital assets. Customers in the United Kingdom already have access to a debit card, and the U.S. rollout is expected to broaden cross-border consistency for the brand’s financial services.
Reinforcing User Value Through Rewards
Uphold reinstated staking rewards earlier this year for 19 digital assets, including Ethereum, Solana, and NEAR. The card’s return adds another layer of user incentives. Early adopters will benefit from the published XRP reward rate for 90 days after enrollment. The company sees the card as a strategic tool to increase user retention by rewarding daily financial behavior, giving cryptocurrency a more practical role in personal finance and turning digital assets into a functional part of modern spending.
