Overview
The Uphold Card lets US users spend directly from any Uphold balance and pays cashback in XRP, though the intro rate steps down after the first few months.
Uphold's card stands out for letting you spend from a wide range of assets held in your Uphold account — crypto, and more. Rewards are paid in XRP, and an elevated introductory rate typically drops to a lower ongoing rate after around 90 days.
Key features
- Spend from any asset in your Uphold balance
- A US Visa debit card
- Cashback paid in XRP
- Simple, flexible funding
Rewards & fees
An introductory reward (often around 2%) usually steps down after roughly 90 days to a lower ongoing rate, paid in XRP. It's US-focused. Confirm the current intro and ongoing rates before applying.
Security & trust
Uphold is an established, regulated platform with standard custodial protections and 2FA. The card balance is custodial. Rewards being paid in a volatile asset (XRP) is a consideration — their fiat value fluctuates.
Pros & cons
👍 Pros
- Spend from any Uphold balance
- US Visa debit
- Flexible multi-asset funding
- Simple to use
👎 Cons
- Rewards paid in XRP (volatile)
- Intro rate drops after ~90 days
- US-focused availability
Who it's for
✅ Good fit if…
US users who want flexible, multi-asset spending from a single balance.
⛔ Look elsewhere if…
Those who want stable, fiat-denominated rewards or live outside the US.
Frequently asked questions
What rewards does Uphold Card offer?
Uphold Card advertises ~2% XRP back. Real-world rewards are often lower once caps, tiers and token prices are factored in — check the current terms before relying on them.
Is Uphold Card self-custody or custodial?
Uphold Card is custodial. Your spending balance is held by the provider, so treat it as spending money rather than savings.
Is Uphold Card safe?
Uphold is an established, regulated platform with standard custodial protections and 2FA. The card balance is custodial. Rewards being paid in a volatile asset (XRP) is a consideration — their fiat value fluctuates.
Verdict
Bottom line. Flexible spending with modest rewards — handy for existing Uphold users, but check the ongoing (post-intro) rate before committing.