XRP News Today: Everyday Spending Now a Gateway to Crypto Gains via XRP Credit Card

The collaboration between Ripple and Gemini has introduced a new XRP Edition of the Gemini Credit Card, offering cardholders the ability to earn rewards in XRP and other cryptocurrencies. Launched in partnership, the card allows users to earn up to 4% back in XRP on gas, electric vehicle charging, and rideshare services, 3% back on dining, 2% on groceries, and 1% on other purchases [1]. Additionally, select merchants offer up to 10% back on qualifying transactions, enhancing the card’s appeal for everyday spending [2]. The card, issued by WebBank and built on the Mastercard network, features no annual fee and no foreign transaction fees, making it a competitive option for crypto-savvy consumers [3].

Gemini’s decision to expand its XRP offerings is underscored by the performance of XRP rewards over time. According to Gemini’s analysis, cardholders who held XRP rewards for at least one year saw those rewards appreciate by 453% as of July 27, 2025 [1]. This growth far outpaced other rewards currencies offered by the card, making XRP an increasingly attractive option for those looking to earn and hold digital assets through daily transactions [1]. The XRP Ledger (XRPL), which underpins the digital currency, has been in operation for over a decade and is widely recognized for its low-cost, high-speed transactions, making it a favored platform for cross-border payments and institutional finance [1].

Ripple CEO Brad Garlinghouse highlighted the significance of the partnership, stating that the XRP Credit Card is a step toward simplifying and mainstreaming the use of crypto in everyday life. "With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD," Garlinghouse said [2]. RLUSD, a USD-backed stablecoin issued by Ripple, has grown to a market cap of over $640 million since its launch, now available as an optional base currency on Gemini for spot trading pairs in the United States [1]. This expansion facilitates easier trading between RLUSD and other assets on the platform, streamlining the user experience and reducing conversion costs [1].

Gemini CEO Tyler Winklevoss emphasized the strategic value of the XRP Edition card as a tool for engagement with the crypto community. “By introducing a special XRP edition of the Gemini Credit Card, we’re giving customers and the XRP Army new ways to earn XRP and express their passion, loyalty, and excitement,” he stated [2]. The card also offers cardholders discounts through the Mastercard World Elite program and access to services such as Peacock Premium, Instacart, and ResortPass, further enhancing its utility [1].

The broader adoption of XRP and the XRPL continues to expand, with institutions such as abrdn, Braza Bank, Vert, Société Générale–Forge, and Guggenheim Treasury Services integrating the technology into their operations. Ripple and Gemini’s joint initiative aligns with the growing trend of consumers seeking more accessible and user-friendly ways to engage with cryptocurrency, a shift that could contribute to the continued mainstreaming of digital assets [1].

Source:

[1] Gemini releases XRP edition of the Gemini Credit Card and broadens (https://www.gemini.com/blog/gemini-releases-xrp-edition-of-the-gemini-credit-card-and-broadens)

[2] Gemini and Ripple Launch Credit Card Offering Crypto ... (https://www.pymnts.com/cryptocurrency/2025/gemini-ripple-launch-credit-card-offering-rewards-crypto/)

[3] Gemini rolls out XRP rewards credit card (https://www.emarketer.com/content/gemini-rolls-xrp-rewards-credit-card)