Revolutionary Way to Earn XRP: Japan’s Aplus Credit Card Unlocks Crypto Rewards

Imagine earning cryptocurrencies like XRP, Bitcoin, or Ethereum just by using your everyday credit card, without investing a single yen. Japan is making this a reality. A pioneering initiative allows consumers to convert their credit card reward points directly into digital assets, opening a new pathway for mainstream crypto adoption. This development is particularly exciting for those looking to earn XRP and other digital currencies without the complexities of direct purchasing.

Japan’s Pioneering Crypto Loyalty Program Takes Center Stage

On July 8, 2025, a significant collaboration between Aplus, a major credit card and financial services company under Japan’s Shinsei Bank Group, and SBI VC Trade, the cryptocurrency exchange arm of SBI Holdings, introduced a groundbreaking rewards program. This initiative marks the first time cryptocurrencies have been integrated as redeemable assets within a major Japanese loyalty program.

If you are an Aplus credit cardholder, you can now convert your accumulated reward points into various cryptocurrencies, including XRP, Bitcoin (BTC), and Ether (ETH). Previously, Aplus points could only be redeemed for cash, merchandise, or airline miles. This new feature connects daily spending with digital assets, making it easier than ever for the public to engage with the crypto market.

For instance, 2,100 Aplus points can be redeemed for over 2,000 Japanese yen worth of cryptocurrency. This simplifies access to digital assets, offering a cash-free method for users to acquire cryptocurrencies. This program highlights SBI’s commitment to advancing cryptocurrency adoption in Japan, especially through its strong support for XRP.

Maximizing Your Rewards with Aplus Credit Card Points

The Aplus Points system rewards customers based on their monthly credit card spending. For every 200 yen spent with an Aplus credit card, users earn 1 Aplus point. Higher spending is encouraged with an extra 0.5% bonus for those who spend 50,000 yen or more monthly.

Points remain valid for two years, providing ample time for redemption. With the new cryptocurrency integration, converting 2,100 Aplus points yields over 2,000 yen worth of cryptocurrency, equivalent to about $13-$15 as of July 15, 2025. This option applies to XRP, BTC, and ETH. This process offers a simple, cash-free way for everyday users to enter the cryptocurrency market without needing direct investment or technical knowledge.

This approach aligns with a global trend. Major financial players like American Express, Mastercard, and Visa have also explored or launched crypto rewards programs with partners such as Coinbase, BlockFi, and Gemini, demonstrating a growing embrace of digital perks by traditional finance.

Why Earn XRP? SBI VC Trade’s Strategic Vision

The inclusion of XRP in the Aplus point redemption system is consistent with SBI Holdings’ long-standing partnership with Ripple. It aligns with XRP’s utility in Japan’s evolving digital economy. XRP was the first cryptocurrency offered on SBI VC Trade when it launched in 2018. Since then, SBI has expanded its XRP-related services to include lending and non-fungible token (NFT) projects on the XRP Ledger (XRPL).

XRP’s fast transaction speeds and low fees make it suitable for cross-border payments, offering cost advantages over Bitcoin and Ethereum. Japan’s clear regulatory framework for digital assets, established by the Financial Services Agency (FSA), supports cryptocurrency adoption while ensuring investor protection. This regulatory clarity enables entities like SBI and Aplus to integrate cryptocurrencies into consumer finance smoothly.

Even if you don’t buy crypto directly, rewards-based crypto is taxable in many countries once redeemed or sold. Your “free” Bitcoin could come with a tax bill.

The Impact of Japan Crypto Rewards on Adoption

The integration of XRP into the Aplus point system provides consumers with a simple, risk-free way to access cryptocurrency without using cash. By making everyday purchases with an Aplus credit card, users earn points convertible into XRP, BTC, or Ether through the Aplus portal or SBI VC Trade. Although the redemption value of 2,000 yen (for 2,100 points) may seem small, it offers a practical link between regular spending and owning digital assets.

This approach makes cryptocurrency more accessible to everyday users, particularly those cautious about direct investments. The system is ideal for both newcomers to cryptocurrency and those seeking to diversify their loyalty point usage. It simplifies entering the crypto market and supports wider adoption of digital assets within Japan’s regulated financial environment.

Integrating XRP with Aplus credit points represents a strategic expansion of SBI’s financial ecosystem. It links SBI’s traditional banking services, credit card operations, and cryptocurrency exchange with consumer-focused digital asset rewards. This initiative strengthens SBI’s interconnected financial services and demonstrates its strong commitment to promoting cryptocurrency adoption in Japan. By including XRP as a reward option, SBI showcases a clear pro-cryptocurrency stance, setting an example for other banks in Japan and Asia.

This move positions SBI as a leader in connecting traditional finance with blockchain technology. The initiative supports SBI’s goal of integrating XRP into mainstream finance, with company executives describing XRP adoption as a significant opportunity for wealth creation. This integration highlights XRP’s practical value and reinforces SBI’s role in shaping the future of digital finance.

Turning credit card points into crypto gamifies personal finance. It makes everyday spending more exciting while introducing people to blockchain technology without the usual risks.

Key Considerations Before Redeeming Your Points

While the XRP-Aplus integration provides an innovative way to enter the cryptocurrency market, it has certain limitations and considerations:

• Redemption Amount: The value of 2,000 yen worth of cryptocurrency for 2,100 points is relatively small. It may not attract significant engagement or sustained interest, particularly from experienced investors.

• Regulatory Compliance: Even without spending cash, users must adhere to Japan’s cryptocurrency regulations. This includes potential tax obligations if the redeemed cryptocurrency appreciates in value and is later sold.

• Asset Management: Users are responsible for managing their digital assets through SBI VC Trade or transferring them to personal wallets. This raises important questions about custody and security.

• Redemption Frequency: It is currently unclear if redemptions can occur regularly each month or if any restrictions exist. Such limitations could impact the program’s overall appeal.

• Need for Clarity: Given these factors, clear guidelines and user education are essential for a smooth and well-informed experience in this new initiative.

A New Era for Digital Assets

The option to earn XRP and other cryptocurrencies through credit card points is part of a global trend to blend digital assets with everyday consumer finance. Japan’s Aplus-XRP integration advances this idea, distinguished by clear regulations and strong institutional support. With well-established cryptocurrency laws overseen by the FSA, Japan offers a stable environment for such innovations, serving as a model for other countries exploring regulated crypto adoption.

Unlike speculative trading platforms, the Aplus program is a user-friendly initiative to simplify digital assets for consumers. It prioritizes accessibility and education, enabling everyday users to engage with cryptocurrencies without direct financial risk. By incorporating XRP and other digital assets into a familiar rewards system, the program introduces digital finance to a broader audience, potentially encouraging wider global cryptocurrency adoption.