Gemini has launched a new XRP version of its credit card with Ripple, offering US customers new options to earn and use the token.
Cardholders can earn up to 4% back in XRP on gas, EV charging, and rideshare purchases; 3% back on dining; 2% on groceries; and 1% on all other transactions. Some merchants will give you up to 10% back on eligible purchases made through Gemini’s app.
Gemini is also making Ripple USD (RLUSD) available. This stablecoin is backed by the US dollar and has a market cap of $640 million. RLUSD is now listed on Gemini and can be used as a base currency for all US spot trading pairs, allowing for direct swaps without any conversion fees.
Tyler Winklevoss, the CEO of Gemini, described the new card as a way for customers to “earn XRP and show their passion, loyalty, and excitement.” Ripple CEO Brad Garlinghouse stated that the partnership allows for “everyday spending to be an opportunity to earn and connect with both XRP and RLUSD.”
XRP is already a favorite among Gemini cardholders. Users who kept XRP rewards for at least a year experienced a value increase of 453% by July 2025, which was the largest gain among all reward currencies on the platform.
