Overview
- The debit card is available across eligible U.S. states and works anywhere Visa is accepted, including Apple Pay and Google Pay.
- Users earn up to 6% back in XRP on purchases, with an extra 4% unlocked via direct deposit for a potential 10% and reported monthly rewards up to $800.
- Two tiers are offered: a no-fee Essential card with 4% XRP back and an Elite card with a $99.99 annual fee, 6% rewards, and waived ATM and foreign transaction fees.
- Early activations before January 1, 2026 lock promotional reward rates for three months.
- Spending crypto can create taxable events under IRS rules, whereas transacting in dollars or stablecoins may reduce tracking complexity.