The Gemini XRP card is a U.S.-launched rewards credit card issued in partnership with Ripple that offers up to 4% cash back on select purchases and integrates XRP rewards and support for Ripple’s RLUSD stablecoin — positioned as a loyalty product tied to growing XRP utility.
Key point 1 — Gemini XRP card launched in U.S., offers up to 4% cash back.
Key point 2 — Product ties deepen Gemini and Ripple collaboration, including RLUSD access and XRP collateral use.
Key point 3 — Community reaction mixed; some users note limited novelty and U.S.-only availability.
Gemini XRP card – U.S. rewards card with up to 4% cash back and XRP rewards; apply now to earn on purchases and explore Ripple collaboration.
What is the Gemini XRP card?
The Gemini XRP card is a credit card launched in the U.S. by Gemini in partnership with Ripple that rewards users with XRP and cash-back benefits. The card advertises up to 4% cash back on qualifying categories and expands Gemini’s consumer offerings linked to Ripple’s token ecosystem.
How does the Gemini XRP card work?
The card functions like a standard rewards credit card but credits rewards in XRP or cash-back equivalents. Cardholders earn tiered rewards up to 4% depending on purchase category. Gemini has previously offered XRP rewards in its general rewards programs, and this product formalizes that offer into a dedicated card.
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Following a muted community response, Ripple CEO Brad Garlinghouse and Gemini executives used playful promotion to boost visibility. Gemini CEO Tyler Winklevoss joked about giving Garlinghouse “the whale limit,” a tongue-in-cheek reference to high spending/credit tiers for prominent XRP supporters. The remark was intended to create social buzz rather than signal a technical limit.
The card rollout accompanies other moves that deepen ties between Gemini and Ripple. Gemini has expanded access to Ripple’s RLUSD stablecoin and adjusted product offerings to accept XRP as collateral for derivatives trading. Industry reporting and on-chain activity suggest growing commercial alignment between the exchange and Ripple Labs.
Community responses were mixed: some users praised the convenience of formalized XRP rewards, while others noted the card brings limited novelty since XRP awards were already available through Gemini rewards. Criticism also focused on the product’s initial availability limited to U.S. customers.
Application is processed through Gemini’s consumer platform and requires U.S. residency and standard credit approval. The card integrates with a Gemini account where rewards and statements are managed. Below is a concise step list for prospective applicants:
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Source: https://en.coinotag.com/geminis-new-xrp-card-could-signal-deeper-ties-with-ripple-despite-tepid-community-reception/