Gate Card
Gate · Visa · prepaid · Custodial
At $1,000/month spend with no stake, Gate Card nets −$12 a year. According to Cardefi data, 12 of 13 key figures are verified from the issuer's pages, latest 6 Sep 2026.
- Cashback at your stake
- 1.0%
- Min. stake for rewards
- None
- Annual fee
- $0
- FX fee
- 1.5%
- Net value / yr
- −$12 at $1,000/mo spend
- Break-even
- $0 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you T0 | T0 | 1.0% | −$12 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 1.0% × $12,000 (cap) | +$60 |
| Yearly fees | annual $0 + 12 × $0 | −$0 |
| FX on 25.0% of spend | 1.5% + 0.9% × $3,000 | −$72 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | −$12 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.
| Annual fee | $0 / year |
| Monthly fee | $0 / month1 source“Monthly fee”[4] · fees_page · captured 6 Sep 2026 |
| Card issuance | $0Virtual card free for a limited time; first top-up of 10 USDT is required and credited to the card |
| Foreign transaction (FX) | 1.5%Non-USD transactions |
| Crypto conversion / spread | 0.9%Top-up fee when converting crypto into card balance1 source“0.90% (calculated and displayed in real time on the page when you top up)”[4] · fees_page · captured 6 Sep 2026 |
| ATM withdrawal | — not disclosedATM withdrawals allowed with fees per the Standard-card FAQ; the 2026 fee table lists no ATM fee |
| Top-up | 0.9%1 source“Top-up fee”[4] · fees_page · captured 6 Sep 2026 |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| T0 | 1.0% · None · Cap: $5 / month of rewards · Paid in Points (USDT, GT, BTC, ETH) |
| T1 | 1.0% · Purchase ≥ $500 · Cap: $50 / month of rewards · Paid in Points (USDT, GT, BTC, ETH)1 source“T1: Earn 1 point for every 1 USD spent (1.00% cashback)”[5] · help_center · captured 6 Sep 2026 |
| T2 | 2.0% · Purchase ≥ $3,000 · Cap: $100 / month of rewards · Paid in Points (USDT, GT, BTC, ETH)1 source“T2: Earn 2 points for every 1 USD spent (2.00% cashback)”[5] · help_center · captured 6 Sep 2026 |
| T3 | 3.0% · Purchase ≥ $6,000 · Cap: $150 / month of rewards · Paid in Points (USDT, GT, BTC, ETH)1 source“T3: Earn 3 points for every 1 USD spent (3.00% cashback)”[5] · help_center · captured 6 Sep 2026 |
| T4 | 5.0% · Purchase ≥ $10,000 · Cap: $250 / month of rewards · Paid in Points (USDT, GT, BTC, ETH)1 source“T4: Earn 5 points for every 1 USD spent (5.00% cashback)”[5] · help_center · captured 6 Sep 2026 |
| T5 | 8.0% · Purchase ≥ $15,000 · Cap: $400 / month of rewards · Paid in Points (USDT, GT, BTC, ETH) |
No rewards on: Person-to-person money transfers (MCC 6536, 6537, 6538).
Limits
| spend tx | $25,000 / tx1 source“$25,000”[4] · fees_page · captured 6 Sep 2026 |
| Spend per day | $150,000 / day1 source“$150,000”[4] · fees_page · captured 6 Sep 2026 |
| Spend per month | $1,000,000 / month1 source“$1,000,000”[4] · fees_page · captured 6 Sep 2026 |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- ATM withdrawal. ATM withdrawals allowed with fees per the Standard-card FAQ; the 2026 fee table lists no ATM fee
Sources
5 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- www.gate.com/announcements/article/31157/buy-crypto-with-credit-debit-card-through-gate-connect-faqs · help_center · 6 Sep 2026
- www.gate.com/help/gatecard/gcs/50887 · help_center · 6 Sep 2026
- www.gate.com/card · landing · 6 Sep 2026
- www.gate.com/help/gatecard/gc7/100745 · fees_page · 6 Sep 2026
- www.gate.com/help/gatecard/benefits/49985 · help_center · 6 Sep 2026
Report a wrong figure
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- What does Gate Card charge on foreign currency?
- Gate Card adds 1.5% on transactions in a currency other than the account currency.
- Does Gate Card charge an annual fee?
- The annual fee for Gate Card is $0.
- How much cashback does Gate Card pay?
- Gate Card pays up to 1.0%, which is the highest rate any of its tiers reaches.
- Does Gate Card work with Apple Pay or Google Pay?
- Gate Card works with Apple Pay and Google Pay.
- Who holds the funds behind Gate Card?
- The issuer does. Spending on Gate Card draws on a balance held by the provider, not in a wallet you control.
- Does Gate Card require identity verification?
- Yes. Gate Card requires full identity verification before the card can be used.