Introducing the Uphold Debit Card.
The card with the
most XRP rewards.
The Uphold Debit Card is issued by Cross River Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc.2
Up to 10% XRP back with Direct Deposit.
No credit checks required.
Spend dollars or 300+ digital assets instantly.
Use anywhere Visa is accepted.
Bundle with Direct Deposit for up to 10% back in XRP.
When you set up Direct Deposit with Uphold, you’ll earn 4% back in XRP every time you deposit a portion of your paycheck. Pair it with your Uphold Debit Card, which gives you up to 6% XRP1 back on every purchase, and you can stack rewards for up to 10% back in XRP.
Use USD-pegged stablecoins to help keep taxes low. Earn up to 6%1 on everything you buy, and earn rewards of up to 5.25% APY on stablecoin balances.
Set up Direct Deposit and use your Uphold Debit Card to earn up to $800/month in XRP ($500 from deposits, $300 from spending).
Uphold Elite cardholders pay NO foreign transaction fees and ATM fees worldwide. Spend freely wherever Visa is accepted.
Frequently asked questions
Available only to US residents residing in US states and Washington D.C. Not available in Louisiana, New York, or US territories.
Choose the card that matches your lifestyle: the Uphold Elite Card3 for everyday value or the Uphold Essential Card3 for extra rewards and benefits.
| Benefit | Uphold Elite Card | Uphold Essential Card |
| Rewards | 6.0% in XRP, up to $300 for purchases using crypto, fiat, stablecoins and metals for three months after activating your card.4 | 4.0% in XRP, up to $120, for purchases using crypto, fiat, stablecoins and metals, for three months after activating your card.4 |
| Annual Fee | $99.99 | $0 |
| Virtual Card | $0 | $0 |
| Physical Card | $0 (Metal card) | $4.99 (Plastic card) |
| ATM Withdrawal Fee | $0 | $2.95 |
| Foreign Transaction Fee | 0% | 1.50% |
Your Uphold Debit Card uses the asset balances in your wallet. You can fund it through bank transfers, direct deposit, PayPal, or crypto deposits.
You can select your primary and secondary asset funding sources in the Uphold app.
We'll automatically use your backup funding source.
Anywhere Visa is accepted worldwide, online and in person, including Apple pay and Google Pay (when available).
No, all you need is your Uphold wallet and in less than five minutes you're ready to start earning XRP.5
US Dollar - Using dollars to spend with your Uphold Debit Card does not trigger a taxable event.
Stablecoins - Since stablecoins are pegged to the U.S. dollar, they may still be taxed at a nominal rate, but typically result in minimal gains or losses.
Cryptocurrency - The IRS treats crypto as property, not currency. This means that using crypto to fund your card or make purchases can trigger a taxable event, as it’s considered a sale.
Be sure to track your transactions and consult a qualified tax professional.
1 Rewards value vary based on Card Plan (Uphold Elite Card or Uphold Essential Card)
2 Funds deposited/loaded into your "Fiat Asset Account" (labelled the "USD account" on the Uphold Platform) are held at Cross River Bank, Member FDIC, and are insured up to $250,000. Uphold is not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank. FDIC insurance is made available through pass-through insurance at Cross River Bank, where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met.
3 Uphold Debit Card, terms and conditions.
4 Reward value available for 3 months after activating, if activated before January 1, 2026.
5 See the Rewards “Terms and Conditions” for additional information regarding how rewards are earned and credited.