Gemini launches XRP credit card and expands RLUSD access for US traders

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Gemini has rolled out a new $XRP edition of its credit card in partnership with Ripple, giving US customers fresh ways to earn and spend the token.

Cardholders can receive 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. Select merchants will also offer up to 10% back on qualifying purchases through Gemini’s app.

At the same time, Gemini is expanding access to Ripple USD ($RLUSD), a USD-backed stablecoin with a $640 million market cap. $RLUSD, already listed on Gemini, is now available as a base currency for all US spot trading pairs, enabling direct swaps without conversion fees.

Tyler Winklevoss, Gemini’s CEO, called the new card a way for customers to “earn $XRP and express their passion, loyalty, and excitement.” Ripple CEO Brad Garlinghouse said the partnership makes “everyday spending a chance to earn and connect with both $XRP and $RLUSD.”

$XRP has already proven popular among Gemini cardholders. Users who held $XRP rewards for at least a year saw their value rise 453% as of July 2025, the highest gain among all reward currencies on the platform.