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Gemini has officially released an XRP-powered credit card in the United States on Monday morning, August 25, 2025. This is a huge step forward for the cryptocurrency industry. The digital asset exchange Gemini, the blockchain behemoth Ripple, and the global payments network Mastercard all worked together to create this new product. WebBank is the official issuer.
The card is only available to people in the U.S. for now. However, the launch represents a big step toward getting more people to use cryptocurrencies in retail finance. Gemini says that the XRP credit card is a real means to connect traditional banking with digital assets.
XRP Cashback Rewards
The payback system on the new XRP credit card is the most interesting part. It gives users XRP for certain types of spending. This quick payback, which is paid in XRP, is set up with good reasons to buy certain things.
Users can get up to 4% back on transportation costs like gas, electric cars, rideshare services, and public transportation. But this high rate has a monthly maximum. After that, the cashback rate drops to 1% once the limit is reached.
Eating out also pays off, with 3% cash back on food purchases and 2% cash back on things you need every day, including groceries. You get 1% back on all other qualified purchases in different categories. Gemini has now started offering 10% cashback at some stores during promotional periods, which makes the offer even more appealing.
Unique Bonuses and Features
Gemini’s XRP credit card comes with a lot of extra features besides the cashback. It has a sleek, high-end metal design that comes in three colors: black, silver, and rose gold. It is made with materials that are good for the environment. The card number is not printed on the card itself for security reasons. Instead, you may find it on the Gemini app.
Gemini is giving new cards a special bonus of $200 worth of XRP if they make at least $3,000 in transactions during the first 90 days of activating their card. This offer is only available to people who apply early and are approved before June 30, 2025.
There are no yearly fees, international transaction fees, or conversion fees when customers swap their rewards for XRP. This is to make the financial side of the card more appealing. This makes the card very interesting to people who want to use and hold digital assets like XRP without the standard fees that come with regular credit cards.
Investment and Strategic Partnership
This XRP credit card is not only a new product; it’s also part of a bigger strategic relationship between Ripple and Gemini. Together, the two firms have put $75 million into the card’s growth and development. This agreement shows how bitcoin is becoming more and more a part of mainstream finance. Gemini and Ripple want to make their footprint in the financial industry even stronger.
Gemini has also said that U.S. users can trade RLUSD, a stablecoin made by Ripple, on its platform. RLUSD is a stable, low-cost option for digital transactions that adds even more value to Gemini’s crypto ecosystem.
Gemini has put the XRP credit card in a bigger picture as a way to make cryptocurrencies a part of routine financial operations. The alliance intends to make it easier and more useful to utilize digital currencies in everyday transactions by using Mastercard’s huge payment network and WebBank’s FDIC-insured backing.
Using Crypto in Retail Finance
This launch fits with the trend of cryptocurrency companies trying to become more involved in regular banking services. Gemini and Ripple are making it easier for people to use digital assets in the real world by offering a credit card that rewards spending in bitcoin.
Gemini ran a series of high-profile ads to get people talking about it, including a billboard campaign in Manhattan, New York, which got people in the XRP community talking. The entrepreneurs are hopeful that the XRP credit card will help XRP become popular with regular people now that the infrastructure is in place.
There haven’t been any official statements yet about the card being available outside of the United States, but Gemini has said that it would keep a careful eye on how the market reacts and think about what to do next.
Gemini, Ripple, and Mastercard are sending a clear message with this planned launch: digital currencies, notably XRP, are here to stay and are becoming an important part of the overall financial system. The XRP credit card is not only a new way to pay, but it is also a big step forward in bringing blockchain technology to the consumer-facing side of finance.
