JPMorgan

Strong

USDC

Rewards

<p>Uphold has returned to the U.S. debit card market after a two-year pause, introducing a card that includes crypto rewards. Users can earn up to 6% in XRP for everyday purchases made with dollars, crypto, or stablecoins.&nbsp;</p>
<p>Those who choose to deposit part of their paycheck into their Uphold account can receive an extra 4% in XRP rewards, bringing total possible earnings to 10%. Uphold <a href="https://uphold.com/en-us/debit-card" target="_blank" rel="noopener noreferrer nofollow">says</a> the new card allows users to spend their digital assets more easily by converting crypto to cash during transactions.&nbsp;</p>
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   <p>The Uphold Debit Card is now available across the U.S. 💳 <br><br>Spend 300+ digital assets anywhere Visa is accepted, online or in-store.<br><br>Earn up to 6% in <a href="https://twitter.com/search?q=%24XRP&amp;src=ctag&amp;ref_src=twsrc%5Etfw" target="_blank" rel="noopener noreferrer nofollow">$XRP</a> on everyday purchases.<br><br>No credit checks. No waiting.<br><br>Just your crypto, your card, your way. <a href="https://t.co/gbMBzRpGOT" rel="noopener noreferrer nofollow">pic.twitter.com/gbMBzRpGOT</a></p>— Uphold (@UpholdInc) <a href="https://twitter.com/UpholdInc/status/1983875706447593572?ref_src=twsrc%5Etfw" target="_blank" rel="noopener noreferrer nofollow">October 30, 2025</a>
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<p>Uphold also offers borrowing options using XRP, ETH, BTC, or USDC stablecoin as collateral. Borrowed funds can then be used immediately through a Visa card, giving users access to <a href="https://www.cryptotimes.io/articles/explained/liquidity-in-crypto-importance-and-factors-that-affect-it/" target="_blank" rel="noopener noreferrer nofollow">liquidity</a> without selling their crypto holdings.</p>
<h2 class="wp-block-heading" id="strong-focus-on-the-xrp-community">Strong focus on the XRP community</h2>
<p>Uphold executives said the relaunch is designed specifically for its XRP-focused community. “We’ve had a debit card but we’re bringing a debit card back,” said Nancy Beaton, President of Uphold U.S. and Chief Revenue and Marketing Officer. She added, “We have a really high concentration of XRP holders in our community.”</p>
<p>CEO Simon McLoughlin emphasized the firm’s commitment, saying, “The Uphold Debit Card does that better than any other card in the market. Unlike competitors, our card gives users up to 6% XRP back on all everyday purchases, not just for specific categories.”</p>
<p>The debit card, unveiled at XRP Las Vegas in May, is now officially available through the Uphold app. Customers in the U.K. already enjoy similar access. Furthermore, Uphold continues to expand its financial ecosystem after reinstating staking rewards for 19 assets earlier this year, including Ethereum and Solana.</p>
<h2 class="wp-block-heading" id="strategic-partnerships-and-market-position">Strategic partnerships and market position</h2>
<p>In August, Uphold deepened its U.S. reach by <a href="https://www.globenewswire.com/news-release/2025/08/14/3133443/0/en/Uphold-Customers-Can-Now-Add-Funds-to-Wallets-Instantly-Using-PayPal.html" target="_blank" rel="noopener noreferrer nofollow">integrating</a> PayPal for instant wallet funding. This move simplified crypto purchases for users and improved accessibility. “Uphold aims to make digital finance more accessible and user friendly,” McLoughlin noted.</p>
<p>Uphold’s new XRP rewards card makes it easier for people to use crypto in daily life while showing strong support for the XRP community. Consequently, the company now competes more closely with firms like Gemini, which recently launched a Solana rewards credit card.&nbsp;</p>
<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
 <p>Also Read: <a href="https://www.cryptotimes.io/2025/10/30/consensys-taps-jpmorgan-and-goldman-sachs-for-ipo-plans/" target="_blank" rel="noopener noreferrer nofollow">Consensys Taps JPMorgan and Goldman Sachs for IPO Plans</a></p>
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Uphold Relaunches XRP Rewards Debit Card in the U.S.

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The Crypto Times

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