Ripple and Gemini Launch XRP Credit Card With Crypto Rewards 2025

On August 25, 2025, Ripple and Gemini announced the launch of the XRP Edition Gemini Credit Card. This new crypto rewards card allows users to earn XRP tokens on everyday purchases. Issued on the Mastercard network by WebBank, the card opens a fresh path for XRP to gain wider use in daily spending. It also supports the growing crypto community eager to earn crypto rewards with familiar credit card spending.

Gemini Releases XRP Edition of the Gemini Credit Card and Broadens Availability of RLUSD for U.S. Customers | Gemini

XRP Edition Gemini Credit Card: Features and Rewards

The XRP Edition Gemini Credit Card is designed for those who want to earn XRP crypto rewards directly with their purchases. It is a clear win for the “XRP Army” community and anyone interested in increasing their XRP holdings through spending.

XRP Crypto Rewards Breakdown

• 4% back in XRP on gas, EV charging, and rideshare rides
• 3% back in XRP on dining bills
• 2% back in XRP on groceries
• 1% back in XRP on all other purchases
• Up to 10% back in XRP at select merchants

Rewards are instantly sent to the cardholder’s Gemini crypto account. From there, users can trade XRP rewards for Bitcoin or any of the over 50 cryptocurrencies on Gemini. This flexibility makes it easy to grow your crypto portfolio.

“The XRP Edition Gemini Credit Card offers tiered XRP cashback rewards: 4% back on gas, EV charging, rideshare; 3% on dining; 2% on groceries; and 1% on other purchases, with select merchants providing up to 10% back.” — PYMNTS

Extra Benefits

• Access to World Elite Mastercard discounts
• Works with Apple Pay, Google Pay, and Samsung Pay
• Available to U.S. residents in all 50 states and Puerto Rico (local laws apply)
• A unique card design showing support for Ripple’s XRP

Gemini and Ripple Launch Credit Card Offering Crypto Rewards | PYMNTS

Why the Ripple and Gemini Partnership Matters

This partnership blends Ripple’s blockchain expertise with Gemini’s trusted crypto exchange platform. It provides a simple way to use XRP in daily life, bridging the gap between traditional finance and crypto.

How It Helps XRP and Crypto Users

• Gives the XRP Army a new way to earn XRP on everyday spending
• Makes XRP more useful than just a trading token
• Lets users easily convert or reinvest rewards on Gemini
• Strengthens XRP’s role in global payments

Our Crypto Talk | Gemini And Ripple Partner On XRP-Powered Credit Card

Expansion of Ripple USD Stablecoin (RLUSD) on Gemini

Gemini also added Ripple USD (RLUSD) stablecoin as a base currency for spot trading pairs. RLUSD is a U.S. dollar-backed stablecoin with a $640 million market cap.

Why RLUSD Matters

• Makes trading between XRP, USD, and crypto easier
• Adds a new stablecoin option beyond traditional fiat pairs
• Helps reduce price swings for traders
• Builds Ripple’s stablecoin ecosystem along with Gemini’s liquidity

“Gemini expanded access to Ripple USD (RLUSD), a USD-backed stablecoin by Ripple, now available as base currency for U.S. spot trading pairs, facilitating easier trading without conversion fees.” — Gemini Blog

XRP Mastercard Launch: Gemini Expands Ripple Ties By Adding RLUSD To Spot Pairs

Reaction From the Crypto Community on Ripple and Gemini

The launch of the XRP Edition Gemini Credit Card and the RLUSD expansion have been well received. Community members on social media and crypto forums praise the move for:Ripple and Gemini

• Offering real crypto rewards in XRP daily
• Making crypto spending simple and familiar
• Encouraging more people to join Ripple and Gemini’s networks

Crypto influencers on Twitter and YouTube have called the partnership a strong step toward bringing XRP into everyday use. Many see it as a practical way for users to get crypto rewards with no extra effort.

Watch: Gemini taps Ripple for credit line ahead of IPO

To understand the significance of this partnership and the strategic foresight behind the XRP Edition Credit Card, watch this insightful CNBC Crypto World video that explores Gemini’s collaboration with Ripple and what it means for the future of crypto rewards.Ripple and Gemini

Gemini taps Ripple for credit line ahead of IPO: CNBC Crypto World

How to Apply for the XRP Edition Gemini Credit Card

Applicants in the U.S. can apply through Gemini’s website. The process is like applying for other credit cards from WebBank. Approval depends on your credit profile.Ripple and Gemini

What Cardholders Should Know

• XRP rewards are credited instantly to your Gemini wallet
• A Gemini account is required to manage and trade rewards
• Card works with digital wallets for contactless payments
• XRP can easily be swapped into other cryptos on Gemini

Conclusion: Growing Crypto Rewards With XRP and Gemini

The XRP Edition Gemini Credit Card brings a new way to earn crypto rewards on regular spending. Ripple and Gemini created a product that rewards spending with XRP tokens, turning everyday purchases into a way to grow your crypto. Along with adding the Ripple USD stablecoin to Gemini, these steps push crypto into daily finance. This card makes it easier for the XRP Army and crypto buyers to use XRP beyond trading. It also helps Gemini offer more tools for crypto users. For anyone in the U.S. interested in crypto rewards, the XRP Edition Gemini Credit Card is a strong choice. It combines the power of crypto with the convenience of a Mastercard credit card to make digital currency useful in daily life.

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References:

• Gemini offers XRP-branded credit card, eMarketer
• Gemini and Ripple Launch Credit Card Offering Crypto Rewards, PYMNTS
• XRP edition of the Gemini Credit Card, Gemini Blog
• Gemini Deepens Ripple Ties With XRP Credit Card, Fastbull News
• Gemini Launches XRP Credit Card as Ripple Partnership Expands, Coincub