XRP News Today: Gemini Launches XRP-Themed Credit Card With 4% Rewards On Fuel And EV Charging

Cryptocurrency exchange Gemini has launched the first XRP-themed credit card in partnership with Ripple and Mastercard, offering users the chance to earn XRP tokens as rewards on everyday spending [1]. The limited-edition "Gemini Credit Card – XRP Edition" is available to U.S. customers in limited quantities and features a metal design inspired by the XRP community [1]. The card operates with no annual fees, no foreign transaction fees, and no additional charges for earning XRP, making it a competitive option in the crypto rewards space [1].

Rewards are distributed based on spending categories, with users earning 4% XRP on fuel, electric vehicle charging, and public transportation; 3% on meals; 2% on grocery shopping; and 1% on all other purchases [1]. Additionally, users who spend $3,000 within the first 90 days will receive a $200 XRP welcome bonus, incentivizing early adoption [1].

This initiative is part of a broader strategic collaboration between Gemini and Ripple to enhance the real-world utility of XRP. The card, backed by Mastercard World Elite and issued by WebBank, allows users to spend and earn XRP through a widely accepted payment infrastructure [2]. The timing of the launch aligns with increased institutional interest in Ripple’s technology and renewed attention toward XRP in the cryptocurrency market [3].

The product reflects a growing trend of integrating digital assets into traditional financial systems. By embedding XRP into a consumer credit card, Gemini and Ripple aim to foster mainstream adoption and expand the token’s use cases beyond cross-border payments and remittance services [4]. The card also serves as a potential on-ramping tool for new users, offering a familiar financial product that rewards them with crypto.

Despite the strategic value and user incentives, the card’s limited U.S.-only availability underscores the regulatory and operational complexities of integrating crypto into conventional banking systems [5]. The long-term success of the XRP Edition card will depend on how well users adopt the product and whether XRP remains a preferred token for rewards. Gemini’s move is also seen as part of its broader strategy to establish itself as a leading player in the crypto-finance sector, particularly as it approaches its anticipated initial public offering [5].

The launch of the XRP-themed credit card signals a step toward bridging traditional finance and cryptocurrency, with both Gemini and Ripple positioning themselves at the forefront of innovation in the space [5]. Whether this product will drive broader adoption of XRP or influence its market performance remains to be seen, but it marks a significant development in the evolution of crypto-based financial tools.

Sources:

[1] Bitcoin Sistemi

https://en.bitcoinsistemi.com/the-first-ripple-xrp-themed-credit-card-has-been-launched-heres-what-you-need-to-know/

[2] CoinCodex

https://coincodex.com/article/72049/gemini-launches-xrp-themed-credit-card-with-ripple-and-mastercard/

[3] Crypto Daily

https://cryptodaily.co.uk/2025/08/ripple-xrp-price-has-gemini-exchange-contributed-to-xrp-rise-what-this-means-for-remittix

[4] AInvest

https://www.ainvest.com/news/xrp-news-today-gemini-unveils-xrp-credit-card-era-crypto-utility-2508/

[5] Coinspeaker

https://www.coinspeaker.com/new-gemini-credit-card-pays-4-in-xrp-heres-how-it-works/