Gemini has announced the launch of a special-edition XRP credit card in partnership with Ripple, giving U.S. customers a new way to earn cryptocurrency rewards on everyday spending.
The product, unveiled this week, offers up to 4% back in XRP with no annual fees, positioning itself as one of the most accessible crypto rewards cards in the market.
According to the announcement, the limited-edition XRP Credit Card is now available to U.S. residents and has been issued by WebBank under the Mastercard World Elite program.
The launch comes on the heels of Ripple’s recent support for Gemini’s IPO push and reflects the companies’ deepening collaboration. The card not only enhances XRP’s role in payments but also expands access to Ripple’s RLUSD stablecoin, which is now available for U.S. spot trading on Gemini.
RLUSD, a USD-backed stablecoin launched earlier this year, has already grown to a market capitalization of more than $640 million, ranking among the top six dollar-pegged tokens.
The XRP Credit Card rewards structure is designed to appeal to a broad base of consumers. Cardholders can earn 4% back in XRP on gas, EV charging, and rideshare; 3% on dining; 2% on groceries; and 1% on all other purchases.
Source: Gemini
Gemini noted that new users will also receive a $200 bonus in XRP after spending $3,000 within the first 90 days. Gemini is also partnering with select merchants to offer up to 10% back on qualifying purchases, giving users an opportunity to maximize returns.
According to Gemini, XRP has proven to be the most lucrative rewards option among its credit card offerings. Between October 2021 and July 2025, users who chose XRP as their rewards currency and held it for at least a year saw their returns increase by more than 450%.
This growth has fueled optimism among both companies that the new card will resonate strongly with the so-called “XRP Army” and beyond.
Gemini described the launch as part of its effort to “bridge traditional finance and crypto,” while Ripple emphasized that the card will give millions of Americans a simple entry point into digital assets.
“The Gemini Credit Card is a bridge to the future of finance,” said Tyler Winklevoss, co-founder and CEO of Gemini.
Ripple CEO Brad Garlinghouse echoed the sentiment, noting the broader impact of making crypto rewards practical for everyday use. “Fifty-five million Americans own crypto, and that number is only increasing,” he said.
“With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD. It’s a step toward giving people a faster way to move money and making crypto simple and approachable for everyone.”
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