Key Takeaways
- Gemini’s new XRP Credit Card offers up to 4% back in XRP on gas, rideshares, and electric vehicle ( EV) charging, with 3% on dining and 2% on groceries, and more.
- No annual or foreign transaction fees, and rewards are paid instantly in XRP or more than 50 other cryptos.
- Ripple’s stablecoin RLUSD integrates for easy trading, building on a $150 million credit line between these crypto companies.
- Launch follows Gemini’s H1 $282 million net loss, signaling a push for user growth ahead of its Initial Public Offering (IPO).
Table of Contents
Swipe to Stack XRP: Gemini’s Ambition at Mass Adoption
Forget about earning mileage from airlines, Gemini wants you to earn XRP on every gas fill-up. Gemini has rolled out an XRP Edition of the Gemini Credit Card. You can earn up to 4% back in XRP on everyday spend like gas, ridesharing, and dining.
This is a proverbial ‘strengthening of the partnership between Gemini and Ripple,’ with this last recently granting to the crypto exchange a $150 million credit facility in support of their Initial Public Offering (IPO) plans.
The XRP credit card operates like a normal Mastercard but earns the user rewards instantly in XRP. Similarly, with Gemini’s credit card rewards, they are converted with no waiting period or conversion fees.
Additionally, users can earn rewards in any of over 50 different cryptocurrencies or change their preferences as they go. For the XRP Army, they can earn ‘tokens’ on the things they normally spend dollars on, an actual way to accumulate more crypto.
“The Gemini Credit Card is a bridge to the future of finance. By introducing a special XRP edition of the Gemini Credit Card, we’re giving customers and the XRP Army new ways to earn XRP and express their passion, loyalty, and excitement.” - Tyler Winklevoss, Co-Founder and CEO of Gemini.XRP Credit Card Rewards
It’s simple yet convenient. Pay using your XRP Credit Card, get eXtra rewards back on your spending:
? 4% XRP on gas / electric vehicle (EV) charging / and rideshares
?️ 3% XRP on dining, whenever, wherever you want
? 2% XRP on grocery supply
? 1% XRP on anything else you pay or purchase.
This limited edition is available to U.S. customers. The Winklevoss twins haven’t disclosed if the XRP Credit Card could be available in other regions yet.
“Fifty-five million Americans own crypto, and that number is only increasing as more people look for easier ways to access and use it in their daily lives. With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD. It’s a step toward giving people a faster way to move money, and making crypto simple and approachable for everyone.” - Brad Garlinghouse, CEO of Ripple.Why This Isn’t Just Another Crypto Card
Gemini’s timing is a clever play. The exchange lost $282M in net income in the first half of 2025, leaving user growth and transaction revenue even more crucial in the lead-up to its public listing. Ripple, on the other hand, successfully promotes the adoption of RLUSD, with its stablecoin having just rolled out spot trading on Gemini for U.S. traders.
The partnership mirrors Visa and Amex’s successful run in the booming crypto card business, with around $3 billion in transactions in 2024 alone. For the community, this is a great way to take everyday spending and make it an opportunity to earn some crypto.
Final Thought: This is not just a rewards card; this truly helps bridge from dying fiat to the new crypto economy.
FAQs
How do I apply for the Gemini XRP Credit Card?
Via the Gemini app or website, U.S. residents must pass standard credit checks.
Can I use the RLUSD stablecoin with the card?
Yes, RLUSD integrates for trading, though rewards are paid in XRP by default.
Are there hidden fees?
So far, no annual, foreign transaction, or crypto conversion fees.
For more crypto card payments/spendings, read: MetaMask Stablecoin Launch: mUSD to Bridge Web2 and Web3 Payments
