The New Gemini XRP Credit Card: Earning Crypto Has Never Been This Rewarding
The cryptocurrency credit card space just got a major upgrade. Gemini has launched a specialized XRP edition of their popular crypto credit card, and the results speak for themselves – early adopters who held their XRP rewards for just one year saw an incredible 453% growth.
What Makes the XRP Edition Special?
The Gemini XRP Credit Card isn't just another rewards card with crypto benefits. It's specifically designed for XRP enthusiasts and offers some of the most competitive reward rates in the crypto credit card market:
- Up to 4% back in XRP on gas, EV charging, and rideshare purchases
- 3% back on dining – perfect for your favorite restaurants
- 2% back on groceries – earn XRP on everyday essentials
- 1% back on all other purchases – no category restrictions
But here's where it gets interesting: Gemini has partnered with select merchants to offer up to 10% back on qualifying purchases for all Gemini Credit Card holders. These partner merchants are listed in the card benefits section of the Gemini app, giving cardholders access to premium earning opportunities.
The XRP Success Story
Why did Gemini choose to create an XRP-specific version of their credit card? The numbers tell the story. According to Gemini's analysis, XRP delivered the highest percentage gain among all reward currency options for their credit card users. Cardholders who earned $73,700 in XRP rewards and held them for one year saw their rewards grow to over $407,000 – a testament to XRP's performance and potential.
This performance reflects XRP's growing utility as institutions worldwide embrace the XRP Ledger (XRPL) for payments and settlement. Major financial institutions like abrdn, Braza Bank, and Société Générale–Forge have adopted XRPL technology, demonstrating the real-world application driving XRP's value.
Expanding the Ripple Ecosystem
Alongside the XRP Credit Card launch, Gemini is broadening access to Ripple USD (RLUSD), the USD-backed stablecoin that has quickly grown to over $640 million in market cap since its launch. RLUSD is now available as an optional base currency for all spot trading pairs, making it easier for traders to move between RLUSD and other assets without extra conversion steps and fees.
No-Fee Benefits That Matter
The XRP Credit Card comes with several valuable features that eliminate common pain points:
- No annual fee – keep more of your rewards
- No foreign transaction fees – perfect for international travelers
- No fees on crypto rewards delivery – what you earn is what you keep
- Flexible reward switching – alternate between different cryptocurrencies as often as you want
Cardholders also get access to exclusive discounts through the Mastercard World Elite program, including Peacock Premium, Instacart, ResortPass, Lyft, and Booking.com.
The Bigger Picture
As Brad Garlinghouse, CEO of Ripple, noted: "Fifty-five million Americans own crypto and that number is only increasing as more people look for easier ways to access and use it in their daily lives." The Gemini XRP Credit Card addresses this demand by making everyday spending an opportunity to accumulate XRP while supporting the broader XRPL ecosystem.
For those considering their crypto credit card options, it's worth comparing the different offerings available in the market. Coinbase vs Gemini crypto credit cards comparison provides a detailed analysis of how these cards stack up against each other across various metrics.
Getting Started
The Gemini XRP Credit Card represents more than just a payment method – it's a tool for participating in the growing XRP ecosystem while earning rewards on everyday purchases. With institutional adoption of XRPL continuing to expand and XRP's proven track record of delivering strong returns for long-term holders, this card offers a compelling way to "stack XRP" through regular spending.
Whether you're already part of the "XRP Army" or just getting started with cryptocurrency rewards, the Gemini XRP Credit Card provides a straightforward path to earning one of the market's top-performing digital assets on every purchase.
Ready to start earning XRP on your everyday spending? The Gemini XRP Credit Card is available now with no annual fee and competitive reward rates across all major spending categories.