Cross‐shore transport of larvae, pollutants, and sediment between the surf zone and the inner shelf is important for coastal water quality and ecosystems. Rip currents are known to be a dominant pathway for exchange, but the effects of horizontal temperature and salinity gradients are not well understood. Airborne visible and infrared imaging performed on the California coast shows warm and cool plumes driven by rip currents in the surf zone and extending onto the shelf, with temperature differences of approximately 1°C. The airborne imagery and modeled temperatures and tracers indicate that warm plumes exhibit more lateral spreading and transport material in a buoyant near‐surface layer, whereas cool plumes move offshore in a subsurface layer. The average cross‐shore extent of warm plumes at the surface is approximately one surfzone width larger than for cool plumes. Future work may explore the sensitivity of nearshore plumes to density patterns, wave forcing, and bathymetry. Waves and currents in the coastal ocean move plankton, pollutants, nutrients, and sediment between the beach and deeper waters, impacting ecosystems and water quality. Rip currents, strong narrow seaward currents caused by breaking waves, provide a conduit for larvae to move offshore and also carry pollutants away from the beach. One common type of rip current formed in channels interrupting sandbars can sometimes be observed as a plume of brown sediment‐laden water moving offshore. Previous studies of this rip‐current type have assumed that the movement of material by these currents is not affected by differences in the water density (temperature and salinity) between shallower and deeper water. However, thermal (infrared) images taken from an aircraft on the coast of California show that the wave‐breaking region near the beach is often significantly cooler or warmer than the ocean immediately offshore. Rip currents in these images and in numerical simulations appear either as warm plumes, which carry material further offshore and are concentrated at the water surface, or cool plumes, which move material offshore under the surface. The results show that differences in water temperature from the beach to deeper water impact how rip currents move material in the coastal ocean. Airborne infrared imagery on the CA coast shows cool and warm plumes driven by rip currents that connect the surf zone to the inner shelfThe surface cross‐shore extent of warm plumes is about one surfzone width larger than that of cool plumes in observations and simulationsModeled cool nearshore plumes entering a stratified shelf subduct, whereas warm plumes extend offshore in a near‐surface layer Airborne infrared imagery on the CA coast shows cool and warm plumes driven by rip currents that connect the surf zone to the inner shelf The surface cross‐shore extent of warm plumes is about one surfzone width larger than that of cool plumes in observations and simulations Modeled cool nearshore plumes entering a stratified shelf subduct, whereas warm plumes extend offshore in a near‐surface layer