Gemini Teams Up With Ripple to Launch XRP Credit Card With Big Cashback Rewards

Gemini and Ripple launch an XRP rewards card, offering cashback and expanding Ripple USD use on Gemini’s platform.

Fridah Kangai
August 26, 2025
12:23 am

Fridah Kangai

Fridah Kangai is a dedicated crypto journalist with a sharp eye for market trends, blockchain innovation, and digital asset movements. She specializes in breaking down complex topics into clear, engaging stories for both seasoned investors and curious newcomers. With a passion for decentralization and a pulse on the ever-evolving crypto space, Fridah delivers timely, accurate, and insightful coverage. Her work bridges the gap between technology and everyday understanding in the world of cryptocurrency.

Gemini partners with Ripple to launch XRP credit card rewards.
Users earn up to 10 percent back on eligible purchases.
Ripple USD introduced as base currency across Gemini trading pairs.

Gemini has launched a new XRP rewards credit card in collaboration with Ripple, bringing digital asset cashback to everyday transactions. The card, issued with WebBank, strengthens Gemini’s efforts to merge crypto with traditional finance.

Customers who use the new card are eligible to receive rewards in various categories. Fuel, electric vehicle charging, and rideshare purchases will earn up to 4 percent back in XRP. Dining purchases bring 3 percent, whereas groceries bring 2 percent. The rest of the spending categories earn 1 percent in XRP rewards, so users benefit regardless of the type of purchases.

Meet the @Gemini Credit Card XRP Edition

pay with $, earn eXtra Rewards back on your Purchases:
→ 🚗 4% XRP on gas, charging and rideshare
→ 🍽️ 3% XRP on dining
→ 🛒 2% XRP on groceries
→ 📶 1% XRP on everything else

Available Today, Limited Edition, US-Only, Apply Now ↓ https://t.co/G6qq1nRFZv
— RippleX (@RippleXDev) August 25, 2025

Also, Gemini announced collaborations with a few merchants to reward up to 10 percent back on eligible purchases. This is a value addition to customers and increases the application of XRP in real-life spending.

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Ripple USD goes live on the platform

The collaboration does not finish with the credit card Ripple RLUSD is also becoming more useful. Gemini has added RLUSD as the base currency of all U.S. spot pairs. This growth eliminates the conversion barrier and makes trading easier for platform users.

Tyler Winklevoss pointed out that the XRP credit card opens up new avenues for customers and the XRP community to engage with the token. Ripple CEO Brad Garlinghouse said that crypto adoption is growing in the United States, with many users wanting to find practical ways to incorporate digital assets into everyday life.

A Wider Developmental Strategy of Gemini

Gemini has been increasing its operations in preparation for a U.S. initial public offering. In June, the exchange launched trading in tokenized U.S. stocks, which allowed customers to access new investment opportunities.

The exchange has also obtained a MiCA license in Malta, which strengthens its presence in the European markets. In its IPO filings, Gemini disclosed a $75 million credit facility given by Ripple. In the first half of the year, the documents also reported a $282 million net loss.

Gemini’s XRP rewards credit card represents a major step in its collaboration with Ripple. The combination of daily spending and crypto incentives and the growth of Ripple USD also helps Gemini to build a bridge between traditional finance and digital assets.

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