Japan Now Lets You Earn XRP Without Spending Cash Just Using their Credit Card
Here’s How It Works:
- Convert your Aplus credit card points directly into XRP, Bitcoin, or Ethereum
- No additional cash required – just your regular spending habits
- 2,100 points = roughly $13-15 worth of XRP & other cryptocurrencies
- First major Japanese loyalty program offering crypto rewards
- Simple process through established, regulated platforms
Listen, I’ve been watching the crypto space for years, and what just happened in Japan changes everything.
You can now Earn XRP in Japan Without Spending Cash
Not through risky trading or complex investment schemes, but through something you already do every day – using your Aplus Credit Card.
This isn’t some gimmicky promotion. It’s a fundamental shift in how everyday people can access cryptocurrency.
The Game-Changer: Aplus Credit Card Points Meet Crypto
Here’s what happened on July 8, 2025: Aplus (part of Japan’s Shinsei Bank Group) partnered with SBI VC Trade to create Japan’s first major Japanese crypto loyalty program.
Think about your current rewards program. You buy coffee, earn points. Buy groceries, earn points. Now imagine those same points becoming actual cryptocurrency.
That’s exactly what Aplus Credit Card points XRP redemption delivers.
How Your Daily Spending Becomes Crypto
The mechanics are beautifully simple:
Earning Points:
- Spend 200 yen with Aplus Credit Card = earn 1 point
- Spend over 50,000 yen monthly = get 0.5% bonus points
- Points stay valid for two full years
Converting to Crypto:
- Collect 2,100 points
- Convert Aplus credit card points to XRP (or Bitcoin/Ethereum)
- Receive approximately 2,000 yen worth of cryptocurrency
That’s about $13-15 per conversion. Small amounts? Yes. But here’s why this matters more than the dollar figure.
Why This Matters More Than You Think
Most people never enter the crypto world because of three barriers:
- Technical complexity– exchanges, wallets, private keys
- Financial risk– fear of losing money
- Regulatory uncertainty– not knowing if it’s legal or safe
This Aplus Credit Card loyalty points to cryptocurrency program in Japan eliminates all three obstacles.
You’re not learning complex trading platforms. You’re not risking your savings. And you’re operating within Japan’s clear regulatory framework overseen by the Financial Services Agency.
Why XRP Leads This Revolution
SBI didn’t randomly choose XRP for their SBI VC Trade XRP rewards program. They’ve been building their crypto strategy around XRP since 2018 for practical reasons.
XRP solves real problems:
- Bitcoin transactions can take 30+ minutes and cost $20+ in fees
- XRP transactions complete in 3-5 seconds for under $0.01
When you’re dealing with small reward amounts, efficiency matters. XRP’s speed and low costs make it perfect for Aplus credit card crypto rewards.
Your Step-by-Step Action Plan
Want to start earning crypto through your spending? Here’s how to get crypto from Aplus credit card points:
- Get an Aplus credit card (if you’re in Japan)
- Use it for regular purchases– coffee, groceries, gas, everything
- Watch your points accumulate in your account
- Log into the Aplus Credit Card portal once you hit 2,100 points
- Select your cryptocurrency (XRP, Bitcoin, or Ethereum)
- Complete the redemption through SBI VC Trade
The entire process takes minutes, not hours of research.
The Global Context: Why Japan First
Other countries have tried crypto rewards. American Express partnered with Coinbase. Various cards offer crypto cashback.
But Japan’s approach is different. Their Financial Services Agency created clear, comprehensive crypto regulations. This isn’t experimental – it’s established policy supporting innovation.
That regulatory clarity enables programs like Japan Aplus crypto redemption program explained here to operate safely and transparently.
What You Need to Know Before Starting
Tax Implications: Even though you didn’t spend cash to acquire crypto, you may owe taxes when you sell it at a profit. The question “is redemption of Aplus Credit Card loyalty points for cryptocurrency taxed” requires professional guidance based on your situation.
Asset Management: Once you redeem points for crypto, you’re responsible for securing those digital assets. Learn basic wallet security or keep them on the exchange platform.
Realistic Expectations: This won’t make you wealthy overnight. But it provides risk-free crypto exposure that could grow significantly over time.
The Bigger Picture
This partnership represents something profound: the merger of traditional finance with digital assets.
Your ability to convert Aplus credit card points to XRP without spending yen transforms routine purchases into investment opportunities. Every coffee, every meal, every gas fill-up contributes to your cryptocurrency portfolio.
The SBI VC Trade XRP reward integration Aplus Credit Card program proves that crypto adoption doesn’t require massive technological leaps. Sometimes the biggest changes come through simple, practical innovations.
Your Next Move
Here’s what I want you to understand: we’re witnessing the early stages of mainstream crypto integration.
Today, Japanese credit cardholders can earn crypto through spending. Tomorrow, this model will likely expand globally as other countries see Japan’s success.
You have two choices:
- Wait for this to reach your country
- Learn from Japan’s example and prepare for similar opportunities
If you’re in Japan, start using your Aplus Credit card strategically. If you’re elsewhere, watch for similar programs launching in your region.
The future of finance is being written right now, one credit card transaction at a time. And Japan just showed us what that future looks like.
Take action: Start viewing your daily spending differently. Every purchase could become an investment opportunity when the right programs reach your market.
The crypto revolution isn’t coming through dramatic market moves or celebrity endorsements. It’s arriving through your morning coffee purchase and lunch payment.
Are you ready to be part of it?