Ripple and Gemini launch XRP Credit Card in the U.S., offering crypto rewards, zero fees, an eco-friendly design, and strong security.
Ripple and Gemini have announced a new partnership to introduce a credit card that offers cryptocurrency rewards. The product, called the XRP Credit Card, is now available to users in the United States. This enables cardholders to earn XRP, the native token of Ripple, as rewards on their everyday purchases. The decision is an indication that the two companies will continue to cooperate in terms of expanding financial products based on crypto.
XRP Credit Card Launch Targets Wider Crypto Accessibility
This is an extension of an earlier deal in 2024, when Ripple invested in Gemini to support its initial public offering. As part of that partnership, Ripple pledged a $75 million line of credit, which will enable Gemini to boost its liquidity. With the introduction of the XRP Credit Card, both companies will strive to make it easier to use digital assets in ways that people are already familiar with using financial instruments.
Before June 30, 2025, new applicants who are approved to the XRP Credit Card will receive a welcome bonus. The bonus is composed of 200 dollars in XRP that are deposited to the user account on Gemini immediately after they purchase 3,000 dollars within the first three months. This bonus will be awarded immediately after every qualifying one It provides customers with an expedient and convenient method of receiving crypto rewards without any useless delays.
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The card is designed in a customer-friendly manner. It does not impose an annual fee or foreign transaction fee, or conversion fee when turning rewards into XRP. All these characteristics make it more approachable to the masses. Customers are allowed to decide to trade, store, or withdraw their XRP rewards using the platform provided by Gemini. The ease of using the reward system is the idea to stimulate the wider adoption of crypto.
XRP Credit Card Offers World Elite Mastercard Perks
The XRP Credit Card operates on Mastercard’s global payment network, ensuring widespread acceptance. The card is offered in three distinct finishes—black, silver, and rose gold. The majority of the material used in producing each card is recycled. This strategy resonates with the industry’s increasingly widespread commitment to sustainability and to minimizing environmental impact. Both companies have underscored this feature within their joint corporate responsibility objectives.
Security likewise remains a primary focus of this credit card. The physical card has no visible card number printed on it. Rather, the sensitive data is protected within the Gemini mobile application. This design feature bolsters user safety, particularly given that the United States Treasury Department recently reported a pronounced rise in crypto-related fraud in 2025. Eligible users additionally benefit from Mastercard’s World Elite packages.
Alongside its new credit card, Gemini has broadened its support for Ripple’s stablecoin, called Ripple USD. Within the United States, the Gemini exchange now offers spot trading of this stablecoin.
Earlier in August 2025, Japan’s Financial Services Agency approved Ripple USD for use. As a result, wider international access may follow. This development also strengthens the partnership between Ripple and Gemini. Moreover, it shows growing global trust in Ripple’s financial products.
Ultimately, the XRP Credit Card marks progress in using crypto for everyday spending. It offers zero fees and instant crypto rewards. In addition, the card includes strong security and eco-friendly materials. As Ripple and Gemini grow closer, more innovative crypto tools will likely emerge soon.
