XRP Credit Card in 2026: Gemini’s XRP Edition, Cards That Spend XRP, and What Actually Exists
By the MyCardCrypto team · Updated 21 October 2026 · Fees checked on 21 October 2026
Of the US crypto credit cards we checked, only Gemini’s pays rewards in XRP. The XRP Edition is a no-annual-fee World Elite Mastercard paying 1–4% back. Debit cards from Uphold, Bybit and RedotPay spend the coin; Exa and Nexo lend against it.
Best for: US residents who pay in full each month and want XRP from everyday spending.
Not for: non-US residents, anyone carrying a balance (APR up to 34.74%), or holders who want to spend coins they already own.
Our take: choose by what your coins should do: be earned (Gemini), be spent (a debit card) or back a loan (Exa, Nexo). This is not financial advice.
We may earn a commission if you apply through links on this page.
Three things people mean by “XRP card”
Search for an XRP credit card and you will find three different products. What separates them is what happens to your coins when you pay:
- Rewards in XRP. You pay dollars on a credit card and get coins back. In the US, Gemini’s card does this, and Uphold’s prepaid card currently pays its rewards in the token.
- Spending XRP. A debit or prepaid card sells your coins when you pay or top up, and the shop receives dollars or euros.
- Borrowing against it. The coins stay pledged as collateral while the card spends a loan. If the price falls far enough, the lender sells them.
In November 2025, Ripple, Mastercard, WebBank and Gemini said they would explore settling the card’s “fiat card transactions” in RLUSD, Ripple’s dollar stablecoin, on the XRPL. The release describes settlement between Mastercard and WebBank, not a new card feature, and makes it “subject to obtaining the required regulatory approvals”. We found no follow-up on Ripple’s press list on 21 October 2026.
Gemini XRP credit card: rewards, caps, APR and who can apply
Gemini released the XRP Edition on 25 August 2025, “in collaboration with Ripple”. It is a design rather than a separate product: the card’s “functionality remains the same as all current Gemini cards”. After approval you pick one of seven designs, among them BTC, SOL and ZEC editions, and any of them can pay rewards in XRP, bitcoin or 50+ other coins.
Fees checked on 21 October 2026 against the cardholder agreement and Rates & Fees sheet (both 25 September 2026), the rewards article (updated 14 October) and the edition’s page.
| Checked 21 Oct 2026 | Gemini card, any design |
|---|---|
| Network and issuer | World Elite Mastercard, issued by WebBank |
| Annual fee | $0 |
| 4% category | Gas at the pump, EV charging, transit, taxis, rideshare; first $300 a month, then 1% |
| 3%, 2%, 1% | Dining; groceries (not Costco, Sam’s Club, Walmart); everything else |
| Reward coin | XRP, bitcoin (the default) or 50+ others, RLUSD included; switch any time |
| Purchase APR | 16.74–34.74% (agreement) or 18.74–34.74% (Rates & Fees sheet) |
| Cash advance | 29.74% APR; fee $10 or 3%, whichever is greater |
| Foreign transaction fee | None |
| Late payment | Up to $25; up to $35 if repeated within six billing cycles |
| Card replacement | One free in any 12 months, then $50 |
| Welcome bonus | Paused since 31 January 2026 (was $200 for $3,000 of spending) |
| Merchant offers | 10% at listed brands, on limited spend (seven brands on 14 October 2026) |
| Who can apply | Residents of all 50 states and Puerto Rico |
The two APR documents share a date but not a lower bound, so we print both.
What “up to 4%” is worth in a normal month
The 4% rate covers only the first $300 of fuel, EV-charging, transit and ride spending each month; after that the category earns 1%. Our arithmetic for a $2,000 month with $300 in that category, $400 on dining, $500 on groceries and $800 elsewhere: $12 + $12 + $10 + $8 = $42, or 2.1%. The edition page’s line, “up to 4% XRP back on every purchase”, is a ceiling.
Rewards usually arrive within minutes; some online, hotel, fuel and car-rental purchases pay once the charge posts, normally in 24–72 hours. Gift cards, prepaid cards and precious metals earn nothing, and the rewards terms (4 March 2026) say no rate “is guaranteed or constitutes a standing or baseline rate”.
Who gets approved
You need two approvals: WebBank’s credit decision and a Gemini Exchange account. A pre-qualification check has “NO impact to your credit score”; the final decision is a hard inquiry, usually within 60 seconds, with no appeal. A credit freeze must be lifted at both Experian and Clarity. Approved applicants get a digital card at once and a metal card within 5–7 days.
Only US residents qualify, and the agreement says you must live there “at all times while the Account remains open”.
The catches with crypto rewards
- Price risk works both ways. Gemini’s 452.9% is the average rise of XRP rewards earned from October 2021 to July 2024 and held to July 2025; the same page says “Past performance is not indicative of future results”.
- The bill is in dollars. The help centre says you “cannot directly pay your Gemini Credit Card with bitcoin or any other cryptocurrency”.
- Rewards sit on the exchange. Closing your exchange account for any reason also closes the card.
- No crypto purchases with it. The agreement bars using the card to fund your exchange account or to buy cryptocurrency.
- Brand reviews are poor. On 21 October 2026 Trustpilot showed 1.3 out of 5 from about 1,500 reviews of the whole company, 91% of them one-star; a 3 September 2026 review describes a card closed without explanation despite a zero balance.
- Taxes. Rewards and later sales may have tax consequences. We don’t give tax advice; our guide to crypto cards covers the general questions.
Our Gemini Credit Card review covers the rest of the card.
XRP debit cards: spending the coin from your balance
No XRP debit card pays the shop in the coin itself. The issuer sells your coins for dollars or euros, at checkout or when you top up, and the cost sits in that sale. Uphold, Bybit, RedotPay and KAST figures were re-read on 21 October 2026; Nexo and Crypto.com figures date from 9 October:
| Card | Where | How the coin is spent | Cost of spending it | Rewards |
|---|---|---|---|---|
| Uphold Debit Card (prepaid Visa) | US, not Louisiana, New York or territories | Sold at checkout; card spends 300+ assets | Altcoin spread, 2.85–3.8% (our reading); FX on Essential 1.5% or $1.50, Elite 0% | 2%, or up to 4% on Elite; currently paid in XRP |
| Bybit Card | EEA except Malta; the card page lists six more exclusions | Sold at checkout; one of seven coins | 0.9%, plus 0.5% or 1% FX outside EUR | 1% for non-VIPs |
| RedotPay | Most countries; not the US | Sold at checkout | About 1%, plus 1.2% outside USD | Only on the paid Pro plan |
| KAST | 170+ countries, US included | Converted to dollars on deposit, via XRPL | Varies by token, 2–7%; RLUSD 1:1; FX 0.5–1.75% outside USD | 1.5% on the first $2,000 a month |
| Nexo, Debit Mode | EEA (not Bulgaria), UK, Argentina | Sold at checkout if a trading pair exists; this coin unconfirmed | FX 0.2% or 2% (+0.5% at weekends); conversion fee not stated | None in Debit Mode |
| Crypto.com Visa (prepaid) | EEA, UK, US and more | Top-up from 100+ coins (full list only in the app), converted to fiat | Conversion rate not disclosed | 0–4.5% in CRO by tier (EEA) |
Uphold: rewards in the token, a spread on the coin
Uphold calls its US card “The card with the most XRP rewards”. Essential has no annual fee (a plastic card costs $4.99) and pays 2%, capped at $120 a month. Elite costs $99.99 a year and pays 4% when the card spends crypto or metals, 3% on dollars or stablecoins, capped at $300 (rewards terms, 6 October 2026). The help centre (30 September) lets Elite holders pick another coin; Essential pays in the token.
The catch: spending the coin is a sale, and Uphold lists no separate rate for it, so we read it under the altcoin spread, 2.85–3.8% (fee page, 21 September 2026). That more than cancels Essential’s 2% and takes 71–95% of Elite’s 4%.
Dollars and supported dollar stablecoins convert 1:1, free on the first $20,000 a month. The card page also limits rewards to “3 months after activating” for cards activated since 1 January 2026, which the rewards terms don’t mention. More in our Uphold card review.
KAST: the coin converts on arrival for a fee, RLUSD at 1:1
We use KAST ourselves (Standard tier, virtual card, since spring 2026). It accepts the coin over the XRPL, but any non-stablecoin you deposit “may be automatically converted into stablecoins”. The fee page, updated 19 October 2026, lists that conversion as “Varies by token and is shown before confirmation”; another help article gives “2–5%” and “2% to 7%” in the same text.
RLUSD, Ripple’s dollar stablecoin, arrives over the same ledger and converts 1:1 at 0% spread. KAST’s help centre calls the card a credit card “with a credit line secured by your deposited balance”, and its Terms say deposits are sold to KAST. Details in our KAST review.
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Bybit, RedotPay, Nexo and Crypto.com
In the EEA, Bybit’s card can sell XRP, one of seven coins, at checkout for 0.9% on top of its One-Click Sell rate; outside euros, FX adds 0.5% (help centre) or 1% (card page, 8 October). RedotPay lists the coin among its payment assets and adds “around 1%” per payment, plus 1.2% outside dollars; US citizens cannot pass its checks. Details: our Bybit Card review and RedotPay review.
Nexo’s Debit Mode spends crypto from your Savings Wallet, but only a coin with a live pair against your card currency (Nexo’s example is BTC/EURx). Crypto.com’s prepaid Visa tops up from “over 100 top cryptocurrencies”, converted to fiat; its help article names only BTC and ETH, and the full list is in the app (our Crypto.com card review).
In the US, Coinbase’s prepaid Visa spends “any supported crypto on Coinbase”, with a spread; coinbase.com blocked our check of which coins. Avici, the self-custody card we also use, runs on EVM networks and Solana, not the XRPL.
Borrowing against your coins and paying by card
The third kind keeps your coins and spends a loan. Uphold’s Exa, Nexo and Wirex One all name XRP as accepted collateral. Each can sell what you pledged if prices fall far enough.
Uphold Exa: a credit card against crypto (US)
Exa is the nearest thing to an XRP-backed credit card: a virtual-only Visa Signature card that borrows against BTC, ETH, USDC or XRP, with no annual fee and no credit check. Third National issues it; the credit comes from Exactly, a DeFi protocol. Uphold’s page says the assets “move off the Uphold platform and are held within the Protocol’s smart contracts”, possibly as wrapped tokens.
Spending is capped at $10,000 a week, plus a limit tied to your collateral. You set the repayment plan in advance, one payment or up to eight every 28 days, and it applies to each purchase until you change it; each option carries its own fixed APR. The page publishes no rates and no list of states; international purchases may add Visa or FX fees.
Nexo Credit Mode (EEA, UK)
A new Nexo Card starts in Credit Mode: each purchase becomes a loan in xUSD against crypto in your Credit Wallet. Gold and Platinum clients pay 3.9% and 1.9% a year while the loan-to-value (LTV) ratio stays under 20%; interest compounds, and Nexo can sell collateral “without prior notice”.
Nexo’s loan page for the coin, read on 21 October 2026, offers a credit line “using your XRP as collateral” and lends up to 30% of its value; the help centre’s example is BTC at 50%. In the US, Nexo offers a crypto-backed credit line from 0.9% a year through Bakkt, without a card. More in our Nexo card review.
Wirex One loans (card in 73 countries, not the US)
Wirex One lends against XRP with no credit check, and the loan lands in your Wirex account at once. Its help centre (modified 28 August, re-read 21 October 2026) sets this coin’s liquidation LTV at 60%, against 75% for BTC and ETH. Our own Wirex experience is the old app, 2021 to mid-2026, not Wirex One’s loans; see our Wirex One review.
Our arithmetic on that line: borrow $500 against $2,000 of the coin and the loan-to-value is 25%. It reaches Wirex’s 60% when the collateral is worth about $833, a fall of about 58%. At Nexo’s 20% line for the cheap rates, every $1,000 of card debt needs more than $5,000 of collateral.
Buying XRP with a credit card is a different thing
Paying for the coin with a credit card is the reverse trade, and the card agreements we read treat it as a cash advance, with an advance fee and the cash-advance APR. The documents we read on 21 October 2026 say:
- Chase: buying cryptocurrency is a “cash-like” transaction treated as a cash advance, at $10 or 5%, whichever is greater, and 28.49% APR (rates as of 31 March 2026).
- Bank of America and Wells Fargo: their agreements list cryptocurrency “to the extent accepted” and digital currencies among cash equivalents and cash-like transactions.
- Coinbase One Card: buying crypto with it counts as a cash advance, with a fee of $10 or 5%.
- Gemini’s card: its agreement bars using it “for the purchase of cryptocurrencies” at all.
- UK: NatWest has blocked its credit cards for crypto since February 2018, and Barclaycard ended crypto transactions on 27 June 2025.
Exchanges add their own charge: Crypto.com’s EEA fee article (19 May 2026) lists up to 4% to buy crypto by card, against 0.80% from cash. On a $500 purchase with a Chase card, the advance fee alone is $25. Crypto purchases earn no rewards on the Coinbase One and Uphold cards, and Crypto.com’s credit card excludes crypto transactions on Crypto.com.
Which card fits: five common cases
- US, earning the coin on spending you’d do anyway: Gemini’s card, paid in full each month, with XRP picked as the reward coin; the design changes nothing.
- US, already holding it and wanting to spend it: Uphold’s Essential card, if you accept the altcoin spread, or KAST, where RLUSD converts 1:1 and other coins pay a deposit fee.
- EEA: Bybit’s card at 0.9% per sale, or Nexo’s Debit Mode if you already keep savings there.
- UK and most other countries: RedotPay at about 1%, plus 1.2% outside dollars; Nexo and Crypto.com also issue cards in the UK.
- Keeping the coins: Exa in the US, Nexo’s Credit Mode or a Wirex One loan elsewhere; the smaller the loan against the collateral, the bigger the price fall it survives.
Our crypto credit card guide compares the bitcoin-paying cards from Coinbase, Crypto.com and Fold.
Frequently Asked Questions
Is there an XRP credit card?
Yes, in the US. Gemini’s card, issued by WebBank, pays 1–4% back in XRP when you pick it as the reward coin, and only US residents can get it. The XRP Edition is the same card with its own design. Uphold’s Exa, a separate virtual credit card, lends against your coins.
Does Ripple issue its own card?
Not that we found. The XRP Edition was released “in collaboration with Ripple”, but WebBank issues the card and Gemini runs the program. Ripple’s November 2025 plan with Mastercard, WebBank and Gemini concerns how card payments settle behind the scenes, in RLUSD on the XRPL.
Can I get the Gemini card outside the US?
No. Gemini’s FAQ says the card “will not be available outside of the U.S.”: it is for residents of the 50 states and Puerto Rico, who must stay US residents while the account is open. Gemini also closed its UK, EEA and Australian accounts from 6 April 2026.
Can I pay the Gemini bill in crypto?
No. The help centre says you “cannot directly pay your Gemini Credit Card with bitcoin or any other cryptocurrency”. You pay in dollars; to use rewards for that, you would first sell them on the exchange, which is a trade with its own price and possible tax consequences.
Which debit cards spend XRP?
On issuer pages read on 21 October 2026: Uphold’s US card, at the 2.85–3.8% altcoin spread (no separate rate listed), and Bybit’s EEA card, at 0.9%. RedotPay works outside the US at about 1%, and KAST converts deposits at a fee that varies by token. Nexo and Crypto.com spend crypto too, but confirm the coin in their apps.
When did the Gemini XRP card launch?
Gemini announced the XRP Edition, made with Ripple, on 25 August 2025: 4%, 3%, 2% or 1% back by category, the 4% on the first $300 a month. It sits alongside BTC, SOL and ZEC designs; there has been no welcome bonus since 31 January 2026.