The Gemini XRP credit card is a new rewards card from Gemini offering up to 4% back on gas, EV charging and public transport, 3% on dining, 2% on groceries and 1% on other purchases — designed to pay rewards in XRP and appeal to active XRP holders.
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Up to 4% back on gas, EV charging and public transport
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3% back on dining, 2% back on groceries, 1% on other purchases
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$73,700 in rewards historically grew to $407,000 for some XRP holders (reported values)
Gemini XRP credit card rewards: earn up to 4% back in XRP on transport and utilities — apply now to start earning XRP rewards.
What is the Gemini XRP credit card?
The Gemini XRP credit card is a branded rewards card from Gemini that pays cardholders in XRP for purchases. The product emphasizes transport and utility rewards with up to 4% back, while offering 3% on dining, 2% on groceries and 1% on other spend.
How does the Gemini XRP credit card work?
Cardholders accrue cashback as XRP based on spend categories. Rewards are credited to a Gemini account and reflect market value at the time of payout. The program mirrors existing cashback structures but routes rewards into XRP balances for holders who prefer crypto exposure.
| Category | Cashback | Reward Type |
|---|---|---|
| Gas, EV charging, public transport | 4% | XRP |
| Dining | 3% | XRP |
| Groceries | 2% | XRP |
| Other purchases | 1% | XRP |
Why did Gemini launch an XRP credit card?
Gemini cites strong XRP performance and community interest as drivers for the card. Public statements from Gemini indicate the launch aims to let users convert everyday spending into XRP holdings and deepen engagement with the token.
What has the community reaction been?
The XRP community reaction has been mixed. Some see the card as symbolic branding rather than a product innovation, while others welcome a dedicated rewards path into XRP. Commentary appears across community forums and industry reporting (plain text sources: Gemini blog; COINOTAG).
Frequently Asked Questions
How do I maximize XRP rewards with this card?
Prioritize the 4% categories (gas, EV charging, public transport) and combine routine dining and groceries on the card. Hold rewards in XRP if your strategy favors crypto exposure; convert only when needed.
Is paying in XRP riskier than fiat rewards?
Yes. Rewards denominated in XRP carry price volatility. While historical examples show large gains for some holders, XRP values can decline and affect real-world purchasing power.
Key Takeaways
- High transport rewards: Up to 4% back targets commuters and EV drivers.
- Crypto-native payout: Rewards are issued in XRP, increasing exposure to the token.
- Mixed reception: The product is seen by some as branding for XRP rather than a novel rewards structure.
Conclusion
The Gemini XRP credit card delivers a familiar cashback structure while funneling rewards into XRP, appealing to users who want everyday spending to build crypto exposure. Monitor terms, volatility and official Gemini communications before applying. For updates and official details, consult the Gemini blog and COINOTAG coverage.
Published: 2025-08-25 Updated: 2025-08-25
Author/Organization: COINOTAG
