In a strategic partnership that combines traditional finance with cryptocurrency innovation, Gemini and Ripple are launching a limited-edition credit card offering up to 4% cashback in XRP. This initiative aims to simplify cryptocurrency access while rewarding users for everyday purchases.
Innovative Cashback Offers
Gemini has teamed up with Ripple to unveil a credit card powered by XRP. The limited-edition metal card is designed for Ripple users, enabling cardholders to earn instant crypto incentives every time they swipe their cards. Unlike traditional reward models that pay out cashback or points monthly, Gemini provides up to 4% cashback in XRP immediately after each transaction.
Meet the Gemini Credit Card, XRP edition.
Designed for enthusiasts, this limited edition metal card gives up to 4% back in XRP instantly. No waiting, just stacking.
Available now 👀 pic.twitter.com/KU1bX7NvDS
— Gemini (@Gemini) August 25, 2025
Currently, the limited-edition card is available exclusively to users in the United States, with applications starting today.
Transforming Everyday Spending
The Gemini XRP credit card redefines daily spending by allowing users to seamlessly accumulate XRP tokens with every purchase. Whether paying bills, shopping for groceries, or fueling up, transactions earn instant crypto rewards.
The cashback incentive model includes:
- 4% cashback in XRP on electric vehicle charging, rideshare purchases, and gas.
- 3% cashback on dining and restaurants.
- 2% cashback on groceries.
- 1% cashback on all other everyday purchases.
Introducing the @Gemini Credit Card XRP Edition
→ $RLUSD now supported for US spot trading
→ Simplified trading, no extra conversion fees
→ Fast and simple access to crypto and stable value
→ Special-edition design for the XRP community https://t.co/gdNJIPWMcq— Ripple (@Ripple) August 25, 2025
Crypto enthusiasts can capitalize on this setup to passively stack XRP tokens through everyday expenditures.
Streamlining Trading with RLUSD
Alongside the credit card launch, Gemini has integrated Ripple’s RLUSD stablecoin, enhancing its trading platform. This development allows users to trade in a stablecoin without incurring additional conversion fees. It simplifies how individuals manage RLUSD, XRP, and other digital assets on the exchange.
The introduction of RLUSD enriches Gemini’s ecosystem, providing stable values and incentives tied to cryptocurrencies. The support of XRP credit cards and stablecoins reflects a broader trend of making digital assets more practical for daily activities.
The Importance of Timing
This announcement comes as Ripple gained regulatory clarity following its long-standing legal battle with the SEC in the U.S. Moreover, new policies have been introduced to support the cryptocurrency sector. The recent signing of the GENIUS Act by Donald Trump has provided much-needed clarity for innovations in digital assets, specifically stablecoins.
The XRP credit card signifies the maturity of the cryptocurrency market, shifting from a niche experiment to a mainstream financial instrument that integrates crypto benefits into traditional offerings. Additionally, SBI Holdings recently signed an agreement to distribute RLUSD in Japan.
XRP Price Outlook
Meanwhile, XRP has seen a decline, trading down 2% over the past 24 hours at a price of $2.95 amid a broader market downturn.
While bearish trends dominate the short-term outlook, analysts anticipate a promising performance for XRP in the coming months, citing its utility in global payments. Additionally, the resolution of Ripple vs. SEC has increased XRP’s institutional appeal, potentially positioning it as a legitimate asset for enterprises entering the digital asset space. Predictions indicate XRP could reach $5 by 2025 and continue to grow in the following years.
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