Gemini crypto exchange announced a collaboration with Ripple to issue an exclusive credit card. The new product is aimed at American users and makes it possible to receive cashback in the form of XRP for ordinary expenses.

Cardholders can refund up to 4% of XRP purchases, with no annual maintenance fee. This makes the card one of the most profitable offers among cryptocurrency cards. As officially announced, the limited version of the XRP Credit Card is already available to residents of the United States and the issuer of WebBank issues it as part of the Mastercard World Elite program.

The release of this product occurred shortly after Ripple supported Gemini's IPO plans, suggesting a closer partnership between the two companies. The card not only strengthens XRP's position in the field of payments, but also opens up more opportunities for using Ripple's RLUSD stablecoin, which can now be bought and sold on the Gemini platform in the United States.

According to Gemini representatives, XRP has proven to be the most profitable option for charging credit card rewards. If users chose XRP as the currency for their rewards and held it for at least a year, then between October 2021 and July 2025, they could receive returns exceeding 450%.

The head of Gemini, Tyler Winklevoss, called this card a "bridge to the future of finance," and the head of Ripple, Brad Garlinghouse, emphasized that this is an important step towards making cryptocurrencies simple and understandable for everyone, turning ordinary everyday expenses into an investment opportunity.