The launch of a new XRP credit card by Gemini is giving the XRP Army a fresh way to engage with the Ripple ecosystem and earn crypto rewards. This strategic collaboration between crypto exchange Gemini and Ripple not only deepens market access to XRP but also expands the use of Ripple USD (RLUSD), making it easier for U.S. users to integrate crypto into daily transactions.

New XRP Credit Card Offers Tiered Crypto Rewards

Gemini, the crypto platform led by Cameron and Tyler Winklevoss, has introduced a new credit card providing XRP rewards in collaboration with Ripple. Issued through WebBank, this card follows the company’s earlier reward card models but is tailored specifically to those invested in the XRP community.

Users of the card can earn varying rewards based on purchase categories. Fuel, EV charging, and rideshares offer up to 4% back in XRP. Dining comes with 3% rewards, groceries yield 2%, and all other purchases return 1%. In addition, Gemini plans to partner with selected merchants to offer as much as 10% cashback in XRP on qualified transactions.

Co-founder and CEO Tyler Winklevoss commented on this newest offering, stating, “We’re giving customers and the XRP Army new ways to earn XRP and express their passion, loyalty, and excitement.”

Broader Use of Ripple USD on Gemini

Alongside its XRP credit card launch, Gemini is strengthening the role of Ripple USD (RLUSD), Ripple’s U.S. dollar-denominated stablecoin valued at approximately $680 million. U.S. customers can now use RLUSD as a base trading pair for all spot trades on Gemini, streamlining the process of swapping between digital assets without unnecessary conversion steps.

Ripple’s CEO Brad Garlinghouse emphasized the importance of greater accessibility, noting that 55 million Americans already own cryptocurrency. “With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD,” he said.

Gemini’s Broader Market Expansion and Ripple Support

This product launch is one part of Gemini’s broader roadmap to scale up operations ahead of a planned IPO. In June, Gemini filed with the SEC for its public market debut.

Earlier initiatives include the introduction of tokenized U.S. stock trading in Europe and a successful bid for a MiCA license in Malta, signaling broader international ambitions. The license positions Gemini to expand across European jurisdictions under new regulatory frameworks.

Ripple’s influence is also growing within this trajectory. Gemini’s IPO documentation revealed a $75 million credit line extended by Ripple, underscoring a financial partnership that goes beyond product collaboration. However, the company posted a $282 million net loss in the first half of the year, reflecting both the costs of expansion and market challenges.

The new XRP credit card from Gemini offers tiered crypto cashback rewards on everyday purchases.

Related: XRP Price: $12M Max Pain for Bears

Conclusion

Gemini’s latest partnership with Ripple introduces an innovative path for both everyday crypto users and the diehard XRP community. As RLUSD gains foothold as a trading base and the credit card rolls out, this development showcases how established financial tools are merging with blockchain infrastructure. The outcome not only widens XRP’s utility but signals Gemini’s serious commitment to mainstream crypto adoption in the U.S. marketplace.