With Ripple’s drawn-out legal battle with the SEC finally concluded and institutional demand surging following a CME futures launch, XRP is one of the most popular cryptos on the market in 2025. If you want in, this guide covers how to buy XRP with a credit or debit card. Here’s what to know.
KEY TAKEAWAYS
➤ XRP remains one of the most popular cryptocurrencies, known for its resilience and strong community support.
➤ Buying XRP with a credit or debit card is a simple process involving registration on an exchange, card linking, and purchase.
➤ Ripple, the company behind XRP, faced major legal battles with the SEC, but recent rulings have clarified XRP’s regulatory status.
➤ Cryptocurrencies like XRP are highly volatile, so always invest responsibly and never risk more than you can afford to lose.
How to buy XRP with a credit or debit card
To purchase XRP with a debit or credit card, in very simple terms, the process is as follows:
- Sign up for an exchange.
- Add a debit or credit card.
- Complete your transaction.
Here’s a closer look at each step.
To buy XRP with a credit or debit card, you must select a cryptocurrency exchange. For this demonstration, we will use Uphold.
Step 1: Sign up for an exchange
1. Go to the website: Navigate to Uphold’s official website or your preferred exchange. Select Get Started to begin the signup process.
2. Enter your information: You can sign up as an Individual or a Business. Enter your email address, a password, and your country of residence. Remember that your password should be at least 12 characters, with an uppercase and lowercase letter, a number, and a special character (e.g., &, #, etc.).
3. Enter your personal information: Write your full legal name, date of birth, and social security or tax identification number. Press Next to move on to the following step.
4. Verify your identity: To gain full access to Uphold, you will need to verify your identity. For this step, you must have a valid government-issued ID and be prepared to take a photo of yourself for verification.
You have now completed the sign up process and are ready to move on to the second step to buy XRP with a debit or credit card.
For more information on how to sign up for Uphold, check out BeInCrypto’s Uphold review.
Step 2: Add a credit or debit card
1. Log in to your account: Sign in to your newly created Uphold account. You will notice three sections: a watchlist, your portfolio, and a trading section. Take a minute to look around and get familiar with the platform before purchasing XRP with a credit or debit card.
2. Select the menu: Press the button with a circle and three dots. This will open up a menu on the left side of the screen. Scroll down and select Linked accounts.
3. Add a debit or credit card: On the following screen, select the plus sign to add a debit or credit card to buy XRP. Uphold accepts both Visa and Mastercard. Naturally, ensure that the exchange you choose accepts your card carrier before signing up.
4. Enter your card information: Enter your card number, expiration date, and the CVV number. Once you have finished, select Add card to continue.
Step 3: Buy XRP
1. Open your account: Go to your account’s main page. Notice the rightmost section. As previously mentioned, this section is for purchasing cryptocurrency.
2. Select a payment method: Press Select Source to choose a payment method. Scroll down until you see your debit or credit card.
3. Select XRP: Press Select Destination, then select XRP. If XRP does not automatically appear, you can look for it using the search bar at the top of the destination section.
4. Enter an amount: Decide on the amount of XRP you want to buy. If your exchange supports it, you can also set special order types, such as Take-Profit or Trailing Stop orders. Press Preview Deposit to move on to the next step.
5. Confirm your order: Preview your order before you finalize all transactions. Make sure that all of the information is correct before moving on. At this stage, you can also set up recurring buys or do a one-time order.
After you are certain that the information is correct, select Confirm deposit to buy XRP with a credit or debit card.
What is XRP?
XRP is a cryptocurrency coin native to the XRP Ledger (XRPL). In the same way that Ether (ETH) is native to the Ethereum blockchain, XRP is synonymous with XRPL.
Jed McCaleb, Arthur Britto, and David Schwartz founded OpenCoin in 2012, which was later rebranded to Ripple Labs. Ripple Labs is a fintech company that develops products and services that utilize XRPL and XRP (such as RippleNet and Ripple USD).
Unlike most blockchains, XRPL is neither a proof-of-work, nor a proof-of-stake blockchain. It uses a unique consensus mechanism that relies on a trusted network of validators.
XRP is designed to make fast, low-cost payments. Initially, XRP’s creators promoted it as a low-cost alternative to bank settlements. However, this use case did not gain wide adoption. Today, it has gained wider adoption as a more efficient way to facilitate remittances (or cross-border payments).
Over the years, XRP has had significant legal issues. In December 2020, the U.S. Securities and Exchange Commission (SEC) filed a lawsuit against Ripple Labs and its executives, alleging that XRP was sold as an unregistered security.
In July 2023, a U.S. court ruled that XRP is not a security when sold to the general public on exchanges. Ripple and the SEC reached a settlement agreement wherein Ripple would pay a reduced fine of $50 million, down from the originally imposed $125 million.
In March 2025, the SEC withdrew its appeal, effectively ending its legal battle against Ripple. XRP’s price surged as the market responded to the end of the legal battle and renewed optimism about the asset.
One of crypto’s most resilient assets
Through trials and tribulations, XRP has remained steadfast, with a community of long-term, optimistic supporters and HODLers. As demonstrated in this guide, if you want to buy XRP with a credit or debit card, the process is simple: sign up for an exchange, add a card, and purchase XRP. Always remember that cryptocurrencies are volatile assets, and you could lose money. Never risk an unsafe amount of money to buy XRP or any other asset.
Disclaimer: This article is for informational purposes only and should not be considered investment advice. Always do your own research (DYOR).
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