XRP News Today: Gemini's XRP Card Bridges Crypto and Mainstream Finance with 4% Cashback

Gemini has launched an XRP edition of its credit card in collaboration with Ripple, offering users the opportunity to earn rewards in XRP while making everyday purchases. The card provides up to 4% cashback in XRP on gas, EV charging, and rideshare expenses, 3% on dining, 2% on groceries, and 1% on other transactions. Additionally, select merchants offer up to 10% cashback on qualifying purchasesGemini Releases XRP Edition of the Gemini Credit Card^[1]. The card is issued by WebBank and operates on the Mastercard networkGemini Launches XRP Credit Card With Instant Crypto Rewards^[2], with no annual fees or foreign transaction chargesGemini officially unveiled its brand-new XRP Credit Card^[4]. New users can earn a $200 XRP welcome bonus after spending $3,000 within 90 daysGemini officially unveiled its brand-new XRP Credit Card^[4].

The XRP Credit Card also integrates Ripple's RLUSD stablecoin, a USD-backed token with a market cap exceeding $640 millionGemini Releases XRP Edition of the Gemini Credit Card^[1]. RLUSD is now available as an optional base currency for all spot trading pairs on Gemini in the U.S., enabling seamless conversions between RLUSD and other assets without additional feesGemini Releases XRP Edition of the Gemini Credit Card^[1]. This expansion aligns with Ripple's broader efforts to enhance XRP's real-world utility, as institutions like abrdn, Braza Bank, and Société Générale–Forge increasingly adopt the XRPL for cross-border transactionsGemini Releases XRP Edition of the Gemini Credit Card^[1].

Historical data from Gemini highlights the card's potential for value growth. Users who held XRP rewards between October 2021 and July 2025 saw gains of over 450% after one year, with $73,700 in rewards growing to $407,000Gemini Releases XRP Edition of the Gemini Credit Card^[1]. This performance outpaced other crypto reward options, underscoring XRP's appeal as a high-yield asset for cardholders. Tyler Winklevoss, Gemini's co-founder, emphasized the card's role in bridging traditional finance and crypto, enabling users to "earn and connect with both XRP and RLUSD"Gemini Releases XRP Edition of the Gemini Credit Card^[1].

The product's launch has driven significant retail traction. The Gemini app surged to No. 16 in the App Store, surpassing Coinbase and RobinhoodGemini XRP Mastercard Pushes App Ahead of Coinbase and Robinhood^[3], and climbed to No. 11 in the Top Free Finance Apps categoryGemini XRP Mastercard Pushes App Ahead of Coinbase and Robinhood^[3]. This momentum coincides with Gemini's quiet filing for an IPO in July 2025, positioning the company to capitalize on growing crypto adoption ahead of its public listingGemini XRP Mastercard Pushes App Ahead of Coinbase and Robinhood^[3]. Brad Garlinghouse, Ripple's CEO, noted that 55 million Americans own crypto, with demand for user-friendly tools like the XRP Credit Card rising as adoption acceleratesGemini Releases XRP Edition of the Gemini Credit Card^[1].

Analysis of the product's design reveals a strategic focus on accessibility and rewards. The card's tiered cashback structure targets high-frequency spending categories, while RLUSD integration simplifies trading for users. The absence of fees-annual, foreign transaction, or withdrawal-further enhances its appeal compared to traditional credit cardsGemini Releases XRP Edition of the Gemini Credit Card^[1]. Additionally, partnerships with major retailers and the Mastercard World Elite program offer discounts on services like streaming and travelGemini officially unveiled its brand-new XRP Credit Card^[4], broadening the card's utility beyond crypto rewards.

Gemini and Ripple plan to expand the XRP Credit Card's availability globally, with the U.S. launch serving as a pilot for broader adoptionGemini Launches XRP Credit Card With Instant Crypto Rewards^[2]. The product's success could reinforce XRP's position in the crypto ecosystem, particularly as RLUSD's market cap grows and institutional adoption of the XRPL increases. However, users are cautioned that past performance does not guarantee future results, with market volatility and individual spending habits affecting returnsGemini Releases XRP Edition of the Gemini Credit Card^[1].