Gemini Launches XRP Credit Card: Instant Crypto Rewards Hit US Market

Breaking the mold of traditional reward programs—Gemini's new XRP-powered credit card delivers crypto payouts instantly. No more waiting for monthly statements or points conversions.

Seamless Spending, Instant Rewards

Every swipe earns XRP directly into your Gemini account. The card operates on Visa's network, ensuring widespread acceptance while bypassing the usual reward delays.

US Exclusive Launch

Available initially to US users, the card integrates directly with Gemini's exchange platform. Rewards accumulate in real-time—spend $100, see $3 in XRP immediately.

Because who has time to wait for rewards when the crypto market moves faster than traditional finance can process a transaction?

Card Features and Rewards

Rolled out on August 25, 2025, the Gemini XRP Credit Card allows users to earn XRP rewards on a wide range of purchases, reinforcing XRP’s position as a mainstream payment tool.

Issued by WebBank and operating on the Mastercard network, it offers tiered rewards: 4% back in XRP on gas, electric vehicle charging, and rideshare; 3% on dining; 2% on groceries; and 1% on all other purchases. Select merchants also provide as much as 10% back, adding further incentive for cardholders.

The card integrates with Mastercard’s World Elite program, giving users access to discounts, fraud protection, and zero liability for unauthorized transactions. Rewards are automatically credited to Gemini accounts and can be held in XRP or exchanged for other digital assets. Unlike traditional credit card reward programs, users receive XRP instantly after making a purchase.

Ripple and Gemini Collaboration

The launch reflects a strategic collaboration between Ripple and Gemini. Ripple CEO Brad Garlinghouse highlighted the card’s role in expanding crypto accessibility in the United States, noting that consumers increasingly want simple ways to earn and spend digital assets in their daily lives.

Referencing Ripple’s dollar-backed stablecoin, Garlinghouse noted, 

“With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD.”  

Gemini co-founder Tyler Winklevoss emphasized the card’s connection to the XRP community, unveiling a limited-edition metal design aimed at loyal supporters, colloquially known as the XRP Army.

Expanding the XRP Ecosystem

Beyond the credit card, Gemini has introduced support for Ripple’s RLUSD stablecoin in U.S. spot trading pairs. The integration allows users to move between XRP, RLUSD, and other cryptocurrencies without incurring conversion fees, further strengthening Ripple’s efforts to build real-world utility.

For Ripple, the credit card is a milestone in its mission to establish XRP as more than a speculative asset. By embedding rewards into routine purchases, the product offers a practical and immediate incentive for adoption, making crypto use as seamless as traditional card payments.

A Step Toward Mainstream Adoption

The XRP Credit Card indicates a broader trend of crypto assets entering traditional financial channels. By combining the familiarity of a Mastercard-backed product with the growing appeal of digital rewards, Gemini and Ripple aim to bridge the gap between established payment systems and the emerging crypto economy.

Applications for the Gemini XRP Credit Card are now open to U.S. customers.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice