Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Gate Card

VisaCustodialKYC fulldebit

Gate Card is a Visa debit card from the Gate exchange, funded from your Gate Pay, Spot or Earn balance and converted at purchase (0.9%). Cashback is paid as points in six tiers from 1% to 8%, set by Gate VIP level or monthly card spend, with a monthly redemption cap of 5 to 400 USDT.

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27Card Score, #26 of 36
−$88You keep a year
D49Trust points of 100
95%Key fields with a source

Plans side by side

Classic
Price
Monthly priceFree1
Yearly priceFree1
Virtual card feeFree1
Physical card feeFree1Delivery cost not published
Replacement$251
Staking needed02
Other requirementsLevel 2 KYC; starting cashback tier set by Gate VIP level at application2,4
Rewards
Cashback1%2T0 and T1 pay 1%; T2 2%; T3 3%; T4 5%; T5 8%. Tier is set by Gate VIP level or monthly card spend, whichever is better
Paid inpoints (100 points = 1 USDT, redeemable for USDT or GT)2,3
Cashback cap a month$52T0 cap 5 USDT; T1 50; T2 100; T3 150; T4 250; T5 400
Earns onCard purchases2
No cashback onFiat payments; fees, deposits and withdrawals; cancelled or refunded orders; financial services, stored value cards, currency exchange, money orders, traveler's cheques2
VestingNone; points do not expire2,3Upgrades take effect the following calendar month
PointsGate Card points: 100 points = 1 USDT; manual redemption from 50 points; per-transaction earning caps from 200 points (T0) to 15,000 (T5)2,10
PerksUp to 50% subsidy on AI subscriptions (promotion), Referral: 5 USDT for referrer, 2 USDT for friend4Promotions; terms change
Fees
FX fee0.4%1,3On non-USD transactions. No real-payment measurement found. The US help page states Default Visa FX with 1% for the US prepaid card; reviews give 1.7% for the prepaid variant
Crypto conversion fee0.9%1,3For transactions of 2 USD or more; flat 0.05 USD below 2 USD
Top-up fee0.9%6Gate US prepaid card top-up; Classic spends from the account balance with no manual top-up per a third party
ATM fee2%1Plus any operator charge
Inactivity feeFree1
Limits
Limit per payment$10,0001T0 and T1; T2 50,000; T3 150,000; T4 500,000
Spend limit a day$10,0001T0 and T1; T2 50,000; T3 150,000; T4 500,000
Spend limit a month$50,0001T0 and T1; T2 150,000; T3 400,000; T4 1,500,000
Spend limit a year$50,0001T0; T1 150,000; T2 500,000; T3 1,500,000; T4 18,000,000
ATM limit a day$5,0001Max 10 withdrawals a day
ATM limit a month$15,0001Max 100 withdrawals; yearly 50,000

What you keep

Rewards you can spend$60 paid in points, counted at 50%+$30
FX fee on foreign spend−$10
Fees on every purchase−$108
Net a year, Classic plan−$88

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator8 of 25

Gate Technology Ltd holds MFSA (Malta) crypto-asset service provider and financial institution authorisations, but these cover the exchange, not the card. The card issuer is not named on Gate's pages; a press release names Stanhope Financial UAB for the EEA.5,7

Custody and fund protection7 of 20

Custodial: funds stay as balances in the Gate account until converted at purchase. Gate advertises proof of reserves for the exchange, but no card-specific protections are published.2,11

Incidents in the last 24 months16 of 20

No card-specific incident, freeze or closure found in the sources checked.4

Track record and verified volume9 of 15

Card launched in 2026 per Paymentscan with about $11.2M self-reported spend, mostly from the last months; the exchange itself is long established.9

Published fees and terms6 of 10

Fees, limits and cashback tiers are published by Gate, but the issuer is not named and regional variants have mixed names and fees.1,2

Support and user sentiment3 of 10

Reviews report a Trustpilot score of 1.5 for Gate; the app is rated 4.3 on the US App Store. Limits changes go through email support.8,1

Company

Legal entityGate Technology Ltd (Malta, reg. C89337) for the EEA; Gate US, Inc. for the US5,11Other regions are served by other Gate entities; not listed on the card page
Websitegate.com4

Issuer and licence

Card issuerStanhope Financial UAB (EEA); Lead Bank via Bridge (US prepaid)7,8Not named on Gate's own card pages. EEA issuer from a Stanhope press release; US issuer from a review citing the Gate US launch. Other regions not published
Program managerBridge (US prepaid card)8Per a review; not confirmed by Gate's own pages
LicencesGate Technology Ltd: MFSA Crypto-Asset Service Provider (GTEC-25238), Gate Technology Ltd: MFSA Financial Institution (GTEC-25926)5Licences of the exchange entity, not of the card issuer; the card issuer's own licence is not published by Gate
RegulatorMFSA, Malta (exchange entity, EEA)5
NetworkVisa1,2EEA Midnight page says Mastercard; Gate says it joined the Mastercard Crypto Partner Program
Card levelVisa Platinum (Classic)10Third-party only

The card

Statuslive4Apply Now offered; availability limited to non-restricted regions
Launched2026-039Per Paymentscan; Gate Card first announced earlier by press; the Gate US card launched Jul-10, 2026 per a review
Typedebit5Gate says all Gate Cards are debit cards; the US variant is a prepaid debit card
FormsVirtualPhysical1
Custodycustodial2Funds stay as balances in your Gate account until a purchase
How custody worksCard is linked to a Gate Pay account; assets stay in their original form until a purchase, when they are converted and settled. Spend can draw on Gate Pay, Spot and Simple Earn balances2,4
KYCfull4Level 2 identity verification; some cards need proof of address from the last 3 months
KYC documentsLevel 2 verification; proof of address for some cards4
KYC timeVirtual card review usually 3-5 minutes4
Settles inUSD1

Funding

Crypto acceptedUSDTBTCETHGT4Instant Spend mode; EEA Midnight lists USDC, BTC, ETH. Prepaid mode accepts more assets, not named
Deposit fees0.9% top-up (Gate US prepaid card); Classic converts at 0.9% when spending6,3
Spends fromGate Pay, Spot or Simple Earn balance, converted at purchase4

Payments

Apple Pay9Per Paymentscan
Google Pay9Per Paymentscan
Contactless10Third party only
Online subscriptionsYes4Promotions are built around AI subscriptions
Blocked merchantsFinancial services, stored value cards, currency exchange, money orders and traveler's cheques earn no cashback2Spending restrictions otherwise not published

Where it works

RegionsEurope (EEA)United States4,5,6
United States6Prepaid variant through Gate US; services may be restricted in some jurisdictions
EEA5Midnight variant for compliant EEA users

Security

Proof of reservesYes11Gate US site advertises Proof of Reserves for the exchange; not specific to the card
InsuranceFDIC coverage only for funds at Lead Bank for the US prepaid card issuance; not for crypto balances8Per a review

App

App Store rating4.38Whole Gate exchange app, US App Store, per a review
App Store ratings5,2008About; whole Gate app
Supportsupport@gate.com1

Reputation

Trustpilot1.58Gate exchange, as reported by a review; not checked at Trustpilot
Trustpilot reviews1,4008About

Adoption

On-chain spend, all time$11,190,0009Self-reported by Gate via API, not derived from onchain settlement; includes pre-launch data
On-chain spend, last month$3,790,0009Peak monthly volume (Oct 2026) per Paymentscan

Referrals

User referrals5 USDT for the referrer and 2 USDT for the friend, plus up to 0.2% commission on the friend's card spend for 12 months4

Regional differences

USfx fee: 16
EEAcard network: Mastercard (Midnight)5

More details

US prepaid variantGate US prepaid card: free virtual card, no monthly or annual fee, 0.90% top-up, chargeback 35 USD, daily limit 2,000 USD (5,000 USD after 30 days or 1,000 USD spent). Not the same product as Classic6
Prepaid variant fees (third party)A review lists 1.7% FX, 2% refund charge and a 2 USDT virtual card fee below VIP 5 for the prepaid variant8
Cashback tier thresholdsT0 VIP 0-4; T1 VIP 5-7 or 500 USDT monthly spend; T2 VIP 8 or 3,000; T3 VIP 9 or 6,000; T4 VIP 10-12 or 10,000; T5 VIP 13-14 or 15,000. The cap is reached after about 5,000 USDT of spend in higher tiers10
Card variantsSeveral: Classic (Visa Platinum), AI Elite, Instant Virtual, EEA Midnight, US prepaid. Gate help pages mix names Classic, Platinum, Graphite, Silver4,1

Quick answers

What does the Gate Card cost?

The Classic plan: Free a month, Free for a physical card.

How much cashback does the Gate Card pay?

1% on the Classic plan, paid in points (100 points = 1 USDT, redeemable for USDT or GT).

What is the Gate Card FX fee?

0.4% on the Classic plan.

Is the Gate Card custodial?

Custodial. Card is linked to a Gate Pay account; assets stay in their original form until a purchase, when they are converted and settled. Spend can draw on Gate Pay, Spot and Simple Earn balances

Is the Gate Card available in the US, the UK and the EEA?

US: yes. UK: not stated. EEA: yes.

How much do you keep with the Gate Card?

−$88 a year on the Classic plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Gate Card (Classic Card & Platinum Card) Fees & Limits, issuer, Nov-05, 2026
  2. Gate Card in-depth review (Gate blog), issuer, Nov-05, 2026
  3. Where can I use a Gate Card? Payment scenarios and fees (Gate blog), issuer, Nov-05, 2026
  4. Gate Card, issuer, Nov-05, 2026
  5. Gate Card Midnight (EEA), issuer, Nov-05, 2026
  6. Gate Card fees and limits (US help), issuer, Nov-05, 2026
  7. Stanhope Financial announces partnership with Gate (press release), press, Nov-05, 2026
  8. Gate Card review, updated Aug-11, 2026, review, Nov-05, 2026
  9. Gate on Paymentscan, paymentscan, Nov-05, 2026
  10. Gate Card Classic review 2026, other, Nov-05, 2026
  11. Gate US launches Gate Card (Gate US announcement), issuer, Nov-05, 2026

Something wrong or out of date? Report it with a source.