Visa
Gate Card
4.7/10Overall Score
Card Mode
Third-party custody
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $0
02Spending & Conversion
- ATM Withdrawal
- 2%
- FX Fee
- 1%
- Crypto / Fiat Conversion
- 0.9%
03Rewards
- CashbackCashbackThe cashback rate varies depending on the card and VIP level, and can be as high as 8%, with cashback amounts ranging from $5 to $400.
- 1%
Fee Sources · Verify Directly
www.gate.com/zh/help/gatecard/gcs/50883Card Guide
Overview
Gate Card is issued by the Gate exchange on both Visa and Mastercard, with free issuance, no monthly fee and no inactivity fee on either the virtual or physical card. Spending converts directly into points: 1 to 5 points per USD 1 spent, with 100 points fixed at 1 USDT and no expiry. Tiers use a dual track, so either Gate VIP level or monthly card spending can trigger an upgrade, and the better of the two applies.
| Item | Details |
|---|---|
| Formats: | virtual and physical cards with Apple Pay and Google Pay support. |
| Tiers: | T0 to T4, matching VIP 0 to 4 through VIP 10 to 14, or USD 0 to 10,000 of monthly spend. |
| Funding assets: | BTC, ETH, USDT, USDC and GT, converted at the live rate at checkout. |
| Use cases: | everyday spending, cross-border payments, large purchases and ATM withdrawals across online, in-store and mobile channels. |
Benefits
| Item | Details |
|---|---|
| Rates: | 1% on T0 and T1, 2% on T2, 3% on T3 and 5% on T4. |
| Monthly caps: | USD 5 on T0, 50 on T1, 100 on T2, 150 on T3 and 250 on T4. |
| Reward assets: | USDT, USDC, BTC, ETH or GT, with points that never expire. |
| Upgrades: | triggered by VIP level or monthly spend, effective the following month, with a fallback to the VIP floor. |
| Redemption: | 100 points fixed at 1 USDT, redeemable at any time within the monthly cap. |
| Return path: | card balances can be converted back to USDT from USD 0.01 and moved to the Spot account. |
Fees
| Item | Details |
|---|---|
| Issuance, monthly and inactivity fees: | none on either format. |
| Spending fee: | 0, after all Gate Card spending fees were set to zero on 25 April 2026. |
| Crypto conversion: | 0.90% on transactions of USD 2 or more and USD 0.05 below that. |
| FX: | 0.40% on non-USD transactions with the Classic and Platinum cards, 1.00% with the Standard card. |
| ATM: | 2% of the amount withdrawn. |
| Balance withdrawal: | 0.9% from USD 0.01. |
Availability
| Item | Details |
|---|---|
| Acceptance: | more than 200 countries and territories and about 150 million Visa merchants, covering online, in-store and ATM use. |
| Spending limits: | USD 500,000 per transaction and per day and USD 1,500,000 a month on T4, with no annual cap from VIP 10 to 14. |
| ATM limits: | USD 5,000 a day and USD 15,000 a month, no more than USD 5,000 per withdrawal and ten withdrawals a day. |
| Onboarding: | Gate Level 2 verification, with proof of address required for some card types. |
| Not supported: | restricted jurisdictions including the United States and sanctioned regions; applicants should confirm their country on the official page first. |
| Compliance: | eligibility depends on residence, verification results and the issuing partner's compliance review. |