XRP reward cards
Cards that pay cashback in XRP on every purchase. Fewer issuers offer this than BTC or ETH, so the list here is naturally shorter.
Our pick per use case
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Reward rates are the issuer's published maximum and usually require a campaign or a category. “Our score” orders scored cards by our independent score; cards not yet scored stay in alphabetical order. Each card page shows when its data was last verified — confirm with the issuer before applying.
XRP cards by the numbers
We list 2 cards here: 1 credit, 1 debit. 1 run on Visa and 2 on Mastercard.
1 of the 2 charge no annual fee, and 2 pay rewards without a staking requirement.
The lowest published FX fee is 0%, from Gemini Credit Card.
The highest advertised reward is 4% on Gemini Credit Card; the median headline rate across the list is 4%, and headline rates usually need a top tier, staking or a category to reach.
None is self-custody, and 2 support Apple Pay.
2 of these cards have had their terms checked against the issuer's own page, most recently on October 3, 2026.
PICK XRP IF
- You specifically want XRP exposure through everyday spending
- You already hold XRP and want rewards to add to that position
- You're comfortable with XRP's own price behaviour
- You'd rather diversify rewards beyond the largest-cap assets
CHOOSE SOMETHING ELSE IF
- You want the widest possible choice of issuers — this list is shorter
- You'd rather receive rewards in a stablecoin or cash equivalent
- You're not specifically interested in holding XRP
- You want a predictable, stable reward value
Three things worth understanding
XRP as a reward asset is less common than BTC, ETH or a stablecoin — only Gemini Credit Card and Uphold Card pay it directly among the 49 cards we track, so this list is naturally shorter than the bigger-name asset categories.
Cashback converts to XRP at the transaction-time rate and accumulates in your reward balance — small amounts per purchase, added up over time.
XRP has its own price behaviour and market depth, separate from Bitcoin or Ethereum. Treat it as its own asset with its own risk profile, not a like-for-like substitute.