Gemini Launches XRP Credit Card Offering Up to 4% Rewards

Gemini has introduced a new limited-edition XRP credit card in partnership with Ripple, aimed at U.S. customers. The card provides instant crypto rewards on everyday spending, with no annual fees. New users who spend $3,000 in the first 90 days receive a $200 XRP bonus. This launch targets both the loyal “XRP Army” and newcomers seeking an accessible entry into cryptocurrency rewards. The card’s sleek metal design appeals to enthusiasts and provides a practical tool for daily use. Gemini emphasized that it credits XRP rewards instantly. It avoids delays common with traditional cashback programs.

Reward Tiers and Benefits

The XRP credit card features tiered rewards depending on spending categories. Cardholders earn 4% back in XRP on gas, electric vehicle charging, and rideshare services. Dining purchases return 3%, groceries 2%, and all other spending 1%. Select partner merchants offer up to 10% rewards. WebBank issues the card under Mastercard’s World Elite program, combining traditional banking infrastructure with cryptocurrency incentives. By offering fast, accessible crypto rewards, Gemini aims to integrate digital assets into everyday financial habits.

Expanding Ecosystem with RLUSD

Alongside the card, Gemini has expanded support for Ripple’s U.S. dollar stablecoin, RLUSD, now available for spot trading on the exchange. Since its debut, RLUSD has grown to a market capitalization exceeding $640 million. The stablecoin’s inclusion simplifies trading, reducing conversion fees and providing users with a stable-value option alongside XRP rewards. Gemini highlighted XRP’s performance as a rewards option in its previous card lineup. Between October 2021 and July 2025, XRP holders saw a 450% return. That underscores the token’s popularity and potential.

Market Reception and Future Outlook

The limited-edition XRP card demonstrates Gemini’s strategy of combining digital assets with conventional financial products. Industry observers note that such initiatives may strengthen crypto adoption by linking rewards directly to mainstream spending. With instant rewards and stablecoin support, Gemini positions the XRP credit card as a collectible and a functional financial tool. As cryptocurrency increasingly intersects with everyday commerce, products like this card offer practical pathways for users to integrate digital assets.