New Debit Card to Offer Users up to 6% XRP Cashback on All Purchases Debuting in October

he card. The Uphold Debit Card features instant crypto-to-fiat conversions that enable users to spend any digital asset they hold or directly spend fiat currency.
“With the debit card plus direct deposit, Uphold users can earn up to 10% in XRP for their everyday activities of earning and spending money,” stated McLoughlin.
Uphold provides users with the option to choose between two tiers: the Elite metal card and the Essential plastic card. The Elite Debit Card offers up to 6% XRP back, a premium metal card with no ATM or foreign transaction fees, and increased spending limits. On the other hand, the Essential Debit Card offers up to 4% XRP back and a standard plastic card.
To take advantage of the offer of up to 6% and 4% XRP back on debit card purchases, users must sign up before January 1, 2026. After signing up, users will receive these rates for a full 90 days, following which different rates for each card tier will be applicable.
The Uphold Debit Card, issued by Cross River Bank, member FDIC, under a license from Visa U.S.A. Inc., is subject to the Uphold Cardholder Agreement. The promotion and rewards offer associated with the card are subject to change, and promotional terms apply. Under the XRP Rewards program, users can earn 6% on up to $5,000 worth of purchases, for a maximum of $300 U.S. Dollars’ worth of XRP, or 4% back on up to $3,000 in purchases, for a maximum of $120 U.S. Dollars’ worth of XRP per month. Following the promotional period, XRP Rewards will be limited to 3% for the Elite Debit Card and 2% for the Essential Debit Card.
Uphold’s vision is centered around the belief that on-chain services represent the future of finance. By providing modern infrastructure for on-chain payments, banking, and investments, Uphold makes cutting-edge financial services accessible and reliable for customers in over 140 countries. The platform integrates with more than 30 trading venues, including both centralized and decentralized exchanges, ensuring superior liquidity and optimal execution. Uphold is committed to 100% reserve holdings and never loans out or rehypothecates customer assets.
Regulated by FinCEN and state regulators in the U.S., as well as registered with the FCA in the UK and the Financial Crime Investigation Service in Europe, Uphold prioritizes transparency and accountability in all its operations. By publishing its assets and liabilities every 30 seconds on a public website, Uphold sets a new standard for financial service providers. Learn more about Uphold’s comprehensive range of products and services by visiting their official website.