Uphold Debit Card

Uphold is relaunching its US Debit Card with two versions – Essential and Elite – giving users the ability to earn automatic XRP rewards every time they spend. Whether you’re topping up your card with cash or crypto, you can turn daily transactions into passive crypto gains.

Boosted Rewards

Users who activate their Uphold Debit Card before January 1, 2026 get access to 90 days of boosted rewards:

• Uphold Elite Card: Up to 6% back in XRP on eligible purchases
• Uphold Essential Card: Up to 4% back in XRP on eligible purchases

After 90 days, the rewards shift to ongoing rates:

• Elite: 3% back in XRP on every eligible purchase
• Essential: 2% back in XRP on every eligible purchase

There’s no staking or lockups—your rewards accrue in XRP and are available inside your Uphold account.

Key Features

• Spend from crypto, stablecoins, or fiat
• Earn up to 5.25% APY on stablecoin balances
• Real-time crypto-to-fiat conversion at point of sale
• No annual fees (terms vary by card level)
• Available in both virtual and physical card formats
• Track spending and rewards via the Uphold mobile app

Whether you’re a casual everyday spender or a power user who wants to maximize XRP rewards, the Uphold Debit Card aligns crypto rewards with your lifestyle.