Earn 4% XRP on Every Gas Fill-Up? The Gemini XRP Card Could Change How You Accumulate Crypto

The Gemini XRP Card gives people cryptocurrency rewards for everyday spending instead of airline miles or cash back. Launched on August 25, 2025, with Ripple, this card lets users earn XRP a well-known digital currency whenever they pay for gas, charge an electric car, or use rideshare services. The card is made of metal and is designed for fans of XRP, often called the “XRP Army.” It works on the Mastercard network and is issued by WebBank, so it can be used anywhere Mastercard is accepted. Instead of earning cash or points, cardholders collect XRP or other cryptocurrencies offered on Gemini’s platform as their reward.

The Gemini XRP Edition Credit Card offers some of the highest rewards in the industry for specific categories. Users can earn 4% back in XRP on gas, EV charging, and rideshares, though this is capped at $300 of spending per month before dropping to 1%. Dining earns 3%, groceries earn 2%, and all other purchases earn 1%. Importantly, rewards are delivered instantly, which means cardholders do not have to wait for a statement cycle to receive their crypto.

There are also no annual fees, no foreign transaction charges, and no hidden exchange costs when converting rewards into XRP. If someone prefers, they can swap their earnings into Bitcoin, Ether, or over 50 other cryptocurrencies supported by Gemini. This flexibility makes it appealing to both committed XRP fans and general crypto users.

This card comes at a crucial time for XRP. Ripple, the company connected to XRP, recently resolved a long-running case with the U.S. Securities and Exchange Commission (SEC) in August 2025. The outcome confirmed that XRP is not considered a security, removing a major cloud of uncertainty. Since then, XRP has seen renewed institutional interest, with daily transactions on the XRP Ledger climbing above 1.8 million a 12% increase compared to the previous month. Ripple has also introduced RLUSD, its own U.S. dollar-backed stablecoin, which already holds a $640 million market cap and is integrated into Gemini’s trading platform. Together, these developments create a stronger foundation for XRP adoption, making the timing of this credit card particularly

In addition to crypto cashback, Gemini has included extra perks to compete with traditional rewards cards. Users can earn up to 10% back with select retail partners, plus they receive Mastercard’s World Elite benefits such as free Peacock Premium streaming, Lyft credits, and purchase protection. The instant nature of the rewards opens up another advantage, the possibility of holding XRP and benefiting if its value increases.  strategic.

Crypto rewards cards are not new, but Gemini’s XRP Edition introduces new competition. Coinbase, for instance, has offered a flat 4% rewards card, but it does not have Gemini’s tiered structure or category-specific boosts. By focusing on gas and commuting, Gemini aims at an area of everyday spending where U.S. households spend heavily about $3,000 a year on gas alone. At the maximum 4% rate, that translates to $120 worth of XRP annually, without counting other spending categories.

Everyday Crypto Rewards with the Gemini XRP Card

The Gemini XRP Edition Credit Card offers a new way to use cryptocurrency in daily life. Instead of only paying at the gas pump, it lets people earn XRP a type of digital currency through everyday purchases. This means anyone can collect XRP without needing to buy it directly from an exchange.

How useful the card becomes will depend on the value of XRP in the future and how many people decide to use it. For those who often drive, eat out, or shop for groceries, earning cryptocurrency through regular spending can be very appealing. If the price of XRP rises, the 4% rewards earned at gas stations could become more valuable than traditional cashback rewards.