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- On Aug. 25, Gemini launched the XRP Edition of its Gemini Credit Card, offered as a sleek, limited-edition metal card.
- Despite failing to retest its $3.66 record from July 18, XRP is benefiting from a steady rise in real-world adoption.
Gemini, the U.S.-regulated crypto exchange founded by Cameron and Tyler Winklevoss, has built its reputation on security and regulatory compliance. Now, the platform is teaming up with Ripple to launch something new: the XRP Edition of the Gemini Credit Card.
WebBank issues the sleek, limited-edition metal card under the Mastercard World Elite program. The launch sparked excitement across the XRP community. Ripple CEO Brad Garlinghouse took to X to share his enthusiasm, writing: “An XRP rewards credit card out in the world?! What a time to be alive, XRP family…”
Everyday Spending, Instant XRP Rewards
With the new Gemini XRP Credit Card, everyday spending turns into instant crypto rewards. Cardholders earn 4% back in XRP on gas, EV charging, transit, and rideshares, 3% back when dining out, 2% back on groceries, and 1% back on all other purchases. To sweeten the deal, Gemini has also partnered with select merchants to offer as much as 10% back in XRP on qualifying purchases.
The card keeps things simple with a no-fee experience; there’s no annual fee, no foreign transaction fees, and no fees to receive your crypto rewards. Plus, it comes with perks from Mastercard’s World Elite program, including discounts with partners like Peacock Premium, Instacart, Lyft, Booking.com, and ResortPass.
Best of all, rewards are deposited instantly into your Gemini account. That means you can hold them, convert them, or trade them right away, no waiting around. And for new users, there’s a welcome bonus: spend $3,000 in the first 90 days and you’ll earn an extra $200 in XRP.
Gemini’s data shows that cardholders who earned XRP and held it for at least one year between October 2021 and July 2025 saw tremendous gains, rewards totalling $73,700 grew to more than $407,000, a return of over 450%. XRP has been the top-performing rewards currency in Gemini’s offerings.
Gemini co-founder Tyler Winklevoss called it “a bridge to the future of finance,” while Ripple CEO Brad Garlinghouse highlighted how it simplifies crypto access, turning ordinary spending into a chance to earn both XRP and RLUSD, Ripple’s dollar-pegged stablecoin.
The launch also comes alongside expanded support for RLUSD on Gemini, where it now serves as a base currency for all U.S. spot trading pairs, helping users cut down on extra conversions and fees.
Cardano Joins the Conversation
In another boost for XRP adoption, Cardano founder Charles Hoskinson revealed during an August 22 Ask Me Anything (AMA) session that new projects are underway to strengthen collaboration between Cardano (ADA) and the XRP community.
He shared that he recently had a productive conversation with Ripple CEO Brad Garlinghouse, exploring areas where the XRP Ledger and the Cardano ecosystem could work together for mutual benefit. As explained in a CNF report, one of the standout initiatives is the planned integration of XRP into Lace, Cardano’s native light wallet, which would allow users to hold and trade XRP directly within the app by the end of 2025.
On-chain analyst Ali Martinez believes XRP could soon rebound to $3.70, while CNF notes that all eyes are currently on whether the token can hold above the critical $3 level.
