XRP News Today: Gemini Launches XRP Credit Card with 4% Crypto Rewards on Purchases

Gemini has officially launched the XRP Credit Card in partnership with Ripple and MasterCard, marking a new phase in the integration of XRP into everyday consumer spending. The card, released on August 25, 2025, is a limited-edition metal card designed for the XRP community and rewards users with instant XRP returns on their purchases [1]. It is the first product of its kind to combine the utility of a global payment card with direct crypto rewards, offering a 4% return in XRP on categories such as fuel, EV charging, rideshares, and public transit, with other categories receiving lower percentages [1].

Rewards are automatically credited to the user’s Gemini account, allowing for immediate trading, holding, or withdrawal without delay. New users who apply before June 30, 2025, and spend $3,000 within the first 90 days are eligible for a $200 XRP bonus. The card also features no annual fee, no foreign transaction fees, and no conversion charges when rewards are converted into XRP [1].

Built on MasterCard’s global payment network, the card is available in black, silver, or rose gold finishes, with materials sourced largely from recycled components. Security is a key focus, with the physical card not displaying the account number, which must be accessed via the Gemini app [1]. The card is exclusively available to U.S. residents.

In addition to the credit card, Gemini has expanded support for Ripple’s stablecoin, Ripple USD (RLUSD), for spot trading in the United States. This move enhances the utility of both XRP and RLUSD by allowing seamless integration between stable assets and crypto holdings [1]. Ripple has emphasized how this partnership simplifies trading and provides faster access to both crypto and stable value [1].

The collaboration between Gemini and Ripple is backed by a $75 million joint investment, with additional financing potentially on the horizon as Gemini prepares for a possible initial public offering [1]. Prior to the launch, Gemini generated buzz with a New York City billboard campaign encouraging users to “prepare your bags,” a message that gained traction on social media [1].

This development reflects a broader trend of institutional players working to bring crypto into mainstream financial systems. By offering tangible utility and real-world rewards, the XRP Credit Card aims to drive adoption and increase the practical value of XRP among everyday users [5]. Analysts have noted that this initiative could help normalize crypto usage and expand the acceptance of digital assets in daily transactions [5].

[1] The Crypto Basic. (2025, August 25). Gemini Officially Launches XRP Credit Card in Partnership with Ripple and MasterCard. https://thecryptobasic.com/2025/08/25/gemini-officially-launches-xrp-credit-card-in-partnership-with-ripple-and-mastercard/

[5] AInvest. (2025, July 11). Gemini Bets XRP Can Bridge Crypto and Mainstream Finance. https://www.ainvest.com/news/xrp-news-today-gemini-bets-xrp-bridge-crypto-mainstream-finance-2508/