What to Know:
Gemini, in partnership with Ripple and Mastercard, has rolled out an XRP-branded credit card offering up to 4% cashback in XRP.
Gemini also integrated Ripple USD (RLUSD) as a base currency across all spot trading pairs for U.S. users.
This move strengthens Gemini’s offerings as it moves closer to a U.S. IPO.
Gemini has teamed up with Ripple and Mastercard to launch a new XRP edition credit card. With this card, you can earn 4% back in XRP on things like gas, EV charging, rideshares, and transit. Dining earns 3% back, groceries 2%, and all other purchases 1%, with some select merchants offering up to 10% cashback. The rewards are deposited instantly into your Gemini account.
It’s available only to U.S. residents, with no annual fee, no foreign transaction fees, and no extra charges when converting rewards to XRP.
Why XRP?
Gemini has data showing that users who held their XRP rewards for at least a year saw gains of more than 450% far more than any other reward currency. This real upside is a major reason the company focused on XRP for its newest credit card edition.
“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, said in a statement. “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,” Ripple CEO Brad Garlinghouse said in a statement. “With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD.
RLUSD Joins the Toolbox
Alongside the card, Gemini has added RLUSD (Ripple USD), a U.S. dollar-backed stablecoin as a base currency across all spot trading pairs for U.S. users. This makes it easier to trade by eliminating extra fiat conversion steps. Ripple CEO Brad Garlinghouse praised the move, saying with 55 million Americans owning crypto, giving them ways to spend and connect through XRP and RLUSD brings crypto into everyday life.
This launch isn’t just about flashy cards, it’s part of Gemini’s broader push toward its U.S. IPO. The exchange started offering tokenized U.S. stock trading in June and got a MiCA license in Malta to make its presence in Europe stronger. Gemini’s IPO paperwork showed that Ripple gave them a $75 million credit line, which gave them more money to grow, even though they lost $282 million in the first half of 2025.
What This Means for Everyday Users
With the new XRP credit card, people can now earn crypto rewards on everything they buy every day. They can use them right away, trade them, or just save them for later. This makes crypto more like traditional rewards.
It is also easier and cheaper to move assets around when RLUSD and XRP are combined. Instead of having to deal with a lot of steps or high fees, users now have a smoother experience that makes digital assets feel more accessible. These changes could help make crypto more popular, which would lead to more people using stablecoins every day.
Final Thoughts
Gemini’s new credit card is also a big step forward for XRP, as it gives the token a real-world use in everyday spending instead of just holding it as an investment. When you combine it with RLUSD access, it shows that you really want to make crypto more accessible.
As Gemini pushes forward with its IPO goal, this partnership with Ripple goes beyond marketing it’s a push to strengthen crypto’s role in everyday life. How many cardholders will adopt XRP and RLUSD as part of their routine remains to be seen, but Gemini is taking clear steps to bring crypto further into the mainstream.
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