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.
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Key point 1 — Gemini XRP card launched in U.S., offers up to 4% cash back.
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Key point 2 — Product ties deepen Gemini and Ripple collaboration, including RLUSD access and XRP collateral use.
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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.
Why did Ripple executives call it the “whale limit”?
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.
How is this release affecting Gemini’s relationship with Ripple?
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.
What has the XRP community said about the card?
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.
How to apply for the Gemini XRP card?
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:
- Open or sign in to your Gemini account.
- Locate the rewards or card product page within the consumer dashboard.
- Submit the card application with required identity documentation.
- On approval, activate your card and link to your Gemini wallet to receive XRP rewards.
Frequently Asked Questions
Is the Gemini XRP card tied to Ripple’s RLUSD stablecoin?
The card is part of a broader commercial alignment that includes expanded access to RLUSD on Gemini; however, rewards are described primarily as XRP or cash-back — RLUSD access is a separate platform feature.
Can I earn XRP on everyday purchases?
Yes. Cardholders earn rewards on qualifying purchases; the exact categories that reach the 4% tier are defined by Gemini. Rewards are credited through the Gemini rewards mechanism.
Key Takeaways
- U.S.-launched product: The Gemini XRP card is currently available only in the United States.
- Up to 4% cash back: Rewards structure tops at 4% depending on purchase category.
- Stronger Gemini–Ripple ties: The card complements RLUSD access and XRP collateral use, signaling deeper commercial cooperation.
Conclusion
The Gemini XRP card formalizes Gemini’s XRP reward offering and strengthens its partnership with Ripple while remaining U.S.-centric and eliciting mixed community feedback. COINOTAG will monitor adoption, product updates, and possible international expansion as both Gemini and Ripple develop consumer-facing XRP utility.
