Gemini’s new Gemini XRP credit card is a rewards card offering up to 4% back in XRP, no annual or foreign transaction fees, and RLUSD stablecoin support for U.S. spot trading—positioned to grow user adoption as Gemini advances its IPO plans.
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Up to 4% back in XRP with no annual or foreign transaction fees
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Ripple supports the launch and RLUSD is enabled for U.S. spot trading with no conversion fees
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Gemini reported a $282.5M net loss in H1; the card aims to expand revenue and user base
Gemini XRP credit card: earn up to 4% back in XRP, no fees, supported by RLUSD—apply now to maximize rewards and crypto access.
Gemini introduces an XRP credit card with up to 4% rewards, no fees, and Ripple backing, aligning with its IPO plans and user base expansion.
- Gemini launches an XRP-focused credit card offering up to 4% XRP rewards and no annual, foreign, or exchange fees to attract crypto users.
- Ripple backs Gemini’s IPO effort with a $150 million credit line as the firms strengthen ties in the expanding digital finance sector.
- The new card supports RLUSD stablecoin for U.S. spot trading and allows seamless crypto and stable value access for users.
Gemini has introduced a new edition of its credit card designed for XRP holders. The launch was confirmed on the exchange’s official announcement and includes a rewards program offering up to 4% cashback in XRP for every purchase. The card does not charge an annual fee and also removes foreign transaction and crypto exchange fees.
The new product maintains the same core functionalities as existing Gemini credit cards but adds XRP-specific benefits. Cardholders may opt to earn rewards in over 50 cryptocurrencies and can switch their preferred reward asset at any time. Gemini positions the card to deepen engagement with the XRP community while broadening reward options for all users.
What is the Gemini XRP credit card?
The Gemini XRP credit card is a consumer rewards card issued by Gemini that pays up to 4% back in XRP on purchases, waives annual and foreign transaction fees, and integrates RLUSD stablecoin support for U.S. spot trading. It is marketed to expand crypto-native payment options and support Gemini’s growth strategy.
How does RLUSD integration work with the card?
RLUSD is supported for U.S. spot trading and is compatible with card-linked features. According to Ripple statements, RLUSD can be traded with no conversion fees for eligible users, enabling seamless switches between XRP rewards and a stable-value asset for spending or trading.
Why is Ripple backing Gemini’s card launch?
Ripple has provided strategic financial support, including a reported $150 million credit line tied to Gemini’s IPO plans, to accelerate product adoption and liquidity. Ripple’s endorsement aligns with its broader effort to expand RLUSD use cases and increase XRP utility in payments and reward programs.
Calling on the XRP Army. This Credit Card 💳 was made for you. Earn up to 4% back in XRP every time you swipe. Onward! 🚀 https://t.co/oeC2Qg1mSG
— Tyler Winklevoss (@tyler) August 25, 2025
Gemini co-founder Cameron Winklevoss encouraged XRP supporters to use the card’s features via a post on the X platform, highlighting the 4% XRP reward rate and urging broader adoption within the altcoin community.
When did Gemini disclose financials that contextualize the launch?
Gemini’s IPO filing revealed a net loss of $282.5 million for the first half of the year and consecutive unprofitable years. Analysts view the XRP card launch as a strategic response to expand revenue channels and grow transacting users ahead of a public listing.
What do industry experts say about the card’s market potential?
Legal analyst and XRP advocate John Deaton and other sector commentators have suggested the Gemini XRP card could be highly competitive among crypto reward cards. Expert commentary underscores potential adoption benefits but emphasizes regulatory and market execution factors.
Frequently Asked Questions
How do I apply for the Gemini XRP credit card?
Apply through the Gemini account portal by navigating to the cards section and submitting the required identity and financial information. Approval timelines depend on standard credit underwriting.
Can I switch rewards from XRP to another crypto?
Yes. Gemini allows cardholders to change their reward asset among supported cryptocurrencies at any time through their account settings.
Key Takeaways
- Rewards and fees: Up to 4% back in XRP, no annual or foreign transaction fees.
- Strategic backing: Ripple supports the launch and RLUSD integration, aiding Gemini’s product positioning.
- Financial context: Gemini reported a $282.5M H1 net loss; the card is a growth and revenue diversification tool.
Conclusion
The Gemini XRP credit card blends a high XRP rewards rate with fee waivers and stablecoin support to attract crypto-native users. Backed by Ripple and timed alongside Gemini’s IPO preparations, the card is positioned to increase transaction activity and broaden market engagement—monitor official Gemini communications for rollout details.
Publication details
Author: COINOTAG | Published: August 25, 2025 | Updated: August 25, 2025
