The strongest current opportunities to earn XRP through spending you already do.
Up to 4% back in XRP
Uphold
Uphold Debit Card
Ongoing program — current reward period has important limits
Uphold currently offers two U.S. debit-card plans. Essential: 2% back in XRP, up to $120 in rewards, $0 annual fee, and purchases may be funded with fiat, stablecoins, crypto, or metals. Elite: 4% back in the current Rewards Currency, currently XRP, when eligible purchases are funded with cryptocurrency or metals; 3% back in the current Rewards Currency, currently XRP, when funded with fiat or stablecoins; up to $300 in rewards; $99.99 annual fee.
The Gemini Credit Card allows cardholders to choose XRP as their crypto reward. The current XRP Edition advertises 4% back on gas, EV charging, and transit; 3% back on dining; 2% back on groceries; and 1% back on other qualifying purchases. Gemini also advertises rotating/select merchant offers that can reach 10% back, subject to merchant limits and current terms.
Hypothetical future value only. XRP prices are not guaranteed.
More Ways to Earn XRP
Additional current programs that pay XRP directly, let you choose XRP, or reward eligible XRP holdings.
Up to 9.5% annual interest on XRP
Nexo
Nexo XRP Yield
Ongoing — rates and eligibility can change
Nexo's current U.S. XRP page advertises up to 9.5% annual interest on XRP through its Yield products. Flexible Yield offers daily compounding, no fixed lockup, and XRP remains accessible. Fixed-Term Yield offers a higher potential rate, XRP is committed for a set period, and current maximum rates depend on account terms and eligibility. Nexo states that rates vary by product, Wealth Tier, eligibility, jurisdiction, and other conditions.
XRP rewards on allocated XRP — current rate shown in the app
Crypto.com
Crypto.com XRP Rewards
Ongoing — eligibility and rates vary
Crypto.com currently offers eligible U.S. users the ability to allocate XRP to its rewards program and potentially receive XRP rewards. Crypto.com's public U.S. pages state that eligibility varies, rates can vary by state and jurisdiction, and current rates should be checked inside the Crypto.com App. Because the publicly available rate can change, MyXRP does not display a fixed XRP rate here.
$50 in crypto for you + $50 in crypto for your friend
Gemini
Gemini Exchange Referral
Ongoing under current terms
Gemini's current U.S. referral offer provides $50 in crypto for the referrer and $50 in crypto for the friend when the referred user completes at least $100 in qualifying trades during their first 30 days. Gemini says the reward can be received in the crypto of your choice, making XRP a potential selection for users who want to stack XRP.
Existing eligible Gemini Credit Card holders can currently earn $50 in crypto for each qualifying credit-card referral, an additional $250 bonus each time they reach five successful referrals, and up to 50 successful referrals per calendar year. Gemini advertises a maximum of up to $5,000 in crypto rewards through the program. On the XRP Edition page, Gemini promotes this as an opportunity to earn the rewards in XRP.
These offers have ended and are shown only for reference.
3% back in XRP ($500+/mo) · 2% back in XRP (under $500)
Uphold
Uphold Direct Deposit + Auto-Invest XRP Rewards
Expired
Offer ended
Ended · September 30, 2026
Eligible users can currently earn XRP cashback when salary-linked direct deposits are automatically invested through Uphold Auto-Invest. 3% back in XRP when qualifying monthly Auto-Invest volume is $500 or more, and 2% back in XRP when qualifying monthly Auto-Invest volume is under $500. Maximum reward: $300 per month. Rewards are paid in XRP.
Uphold is currently running XRP giveaways on selected promotional days during August and September 2026. Each selected winner receives $100 in XRP. Uphold states that $2,000 total in XRP will be awarded across the promotional period.
Last verified: September 4, 2026
Why Small XRP Rewards Can Matter
A few XRP here and there may not feel important today.
But if you already believe XRP could become much more valuable over time, small amounts accumulated through normal activity can become meaningful.
Dream-Big Example
200 XRP
earned over time
×
$1,000
hypothetical future value
=
$200,000
hypothetical result
That is not a price prediction. XRP may never reach that price.
XRP earned today is still XRP. Small rewards can matter more if the asset becomes more valuable later.
The goal of this page is not to convince you to spend more money just to chase rewards. It is to help you notice opportunities attached to things you may already be doing.
Before You Choose a Reward
A reward is only useful if the deal makes sense. Ask:
Would I use this product anyway?
Is there an annual fee?
Do I have to keep money or crypto on the platform?
Is there a lockup?
Am I being asked to trade more than I normally would?
Does the reward expire?
Is the offer only for new or invited users?
Could using crypto for the purchase create a taxable event?
Am I comfortable with the custody or platform risk?
Do not spend $1,000 just to earn $20 in crypto unless that spending was already part of your plan.
Rewards should improve a decision — not create a bad one.
XRP does not have native staking
A Note About “Earning XRP” on Your XRP Holdings
You may see websites use phrases such as Stake XRP or Earn staking rewards on XRP. That wording can be confusing.
The XRP Ledger uses its own consensus protocol. It is not a proof-of-stake blockchain and does not pay native staking rewards to XRP holders.
When a third-party company offers a return on deposited XRP, the reward comes from that company's product — not from native XRPL staking.
That does not automatically make the product bad. It does mean you should understand where the return comes from and what new risks you are accepting.
For long-term XRP storage, compare any yield opportunity against the security benefits of self-custody.
Depending on how a reward is earned, it may be treated as income or may create other tax reporting requirements.
Also remember: if you earn BTC, CRO, or another crypto and later swap it for XRP, that swap can itself be a taxable disposition under U.S. federal tax rules.
Rewards change too quickly for a page like this to be useful without maintenance. MyXRP follows a few rules:
Official Sources First
We link directly to the company's official product page or published promotion terms whenever possible.
Last Verified Date
Every offer should display the date MyXRP last checked it.
Clear Expiration Dates
If an official end date exists, we show it.
XRP Focused
Every visible listing must pay XRP directly, allow XRP to be selected, or provide rewards on XRP holdings.
No Fake “Free Money” Language
If you must spend, trade, refer someone, hold assets with a company, pay a fee, or meet another condition, MyXRP tells you.
Affiliate Status Does Not Decide the List
A program should be listed because it is useful and legitimate — not because it pays MyXRP. Some links may eventually be affiliate links. If they are, MyXRP will disclose that appropriately.
MyXRP Rewards Checklist
Before joining a reward program:
The best reward is one that fits something you were already going to do.
Frequently Asked Questions
Stack Smarter
Small Rewards Can Add Up.
You do not need to chase every promotion.
But if a company is willing to give you XRP or another crypto for something you were already planning to do, it is worth knowing the offer exists.
Check the terms. Understand the risks. Keep good records.
MyXRP provides general educational information about rewards and promotional programs. Offers, rates, eligibility, geographic availability, fees, limits, and expiration dates can change at any time. MyXRP is not responsible for changes made by third-party providers after an offer's Last Verified date. Always review the provider's current official terms before participating.
Crypto rewards may have tax consequences. Third-party yield products may involve custody, counterparty, liquidity, lockup, and loss risks. Nothing on this page is financial, tax, legal, or investment advice.
