Gemini, the renowned cryptocurrency exchange backed by billionaire twins Cameron and Tyler Winklevoss, has just taken a leap into the future of payments. In collaboration with Ripple, Gemini officially unveiled its brand-new XRP Credit Card on August 25, 2025, giving the thriving “XRP Army” a powerful way to blend everyday spending with the world of digital assets.

Image Source: Gemini

Gemini's XRP Credit Card

At the heart of this launch lies an ambitious promise: to make earning crypto as simple as shopping for groceries, filling the tank, or dining out. The XRP Credit Card offers a refreshing twist on reward programs by letting cardholders earn their cashbacks in XRP—the digital currency behind Ripple’s rapid global payments network.

1. Up to 4% back in XRP on gas, EV charging, and rideshare purchases

2. 3% on dining at restaurants and cafés

3. 2% on groceries for the essentials

4. 1% on all other transactions, ensuring every swipe counts

But Gemini takes it further: through select merchant partnerships, users can unlock an impressive 10% back on qualifying purchases, making this card one of the most lucrative and flexible crypto rewards cards currently available.

No Fees, No Hassles

Responding to longstanding pain points in the credit card space, Gemini’s XRP card comes with no annual fees, no foreign transaction fees, and instant crypto rewards delivery. Members also enjoy exclusive offers from the Mastercard World Elite program (discounts on streaming, travel, and local favourites).

XRP’s Record Performance Fuels Optimism

According to Gemini’s own stats, users who selected XRP as their rewards and held them for a year between 2021 and 2025 saw returns soaring over 450%. That’s unprecedented in the crypto card industry and speaks to XRP’s growing real-world utility, especially as more financial institutions adopt Ripple’s technology for international transfers.

Welcoming Newcomers

To sweeten the deal for new users, Gemini is offering a $200 XRP welcome bonus after spending $3,000 in the first 90 days. This not only helps newcomers start building their crypto portfolios but affirms Gemini’s strategy of expanding access to digital assets for millions of Americans.

Expanding the Ripple Ecosystem

Alongside the card launch, Gemini is integrating Ripple USD (RLUSD), Ripple’s rapidly growing USD-pegged stablecoin, as a base for all spot trading pairs on its platform. With RLUSD’s market cap now north of $640 million, traders can move seamlessly between trades without conversion complications, a sign of the deepening ties between traditional finance and crypto.

Bridging Finance and Crypto

Speaking on the launch, Gemini co-founder Tyler Winklevoss called the XRP Credit Card “a bridge to the future of finance,” while Ripple CEO Brad Garlinghouse highlighted that “fifty-five million Americans own crypto, and that number is only increasing as people look for easier ways to access and use it”.

The Bigger Picture

This launch is emblematic of a wider movement: making crypto part of daily life. As the lines blur between traditional finance and decentralized digital assets, Gemini’s XRP Credit Card positions itself at the leading edge, offering mainstream consumers more choices and stronger rewards than ever before.

In the race to mainstream crypto payments, Gemini and Ripple have delivered a product that’s ready to turn everyday purchases into powerful financial opportunities. The XRP Card could well mark a tipping point in how both enthusiasts and everyday shoppers view money, rewards, and the potential of blockchain-supported finance.