GateVisa / Mastercard · DebitIssued in: Global, EEA, United States
Gate•••• •••• •••• 9999Gate CardVISA
Best for: International spending, Cashback, Exchange balance, Mobile wallets, High limits
Editorial score
Score80.9
Criteria covered100%
Confidence88%
Rank score78.5
v7
Security16%100
Fees16%73
Sign-up access12%100
Issuer / regulation11%70
Transparency10%100
Cashback9%30
Limits7%100
Country support7%100
Custody7%45
Compatibility3%61
X followers2%96
KYC · Full
Invite codeNot required
National IDRequired
PassportRequired
Proof of addressRequired
Phone numberRequired
SelfieRequired
Liveness checkUnknown
Source of fundsUnknown
KYC strictness10/10
Gate requires Level 2 identity verification for current Gate Card applications. Accepted identification can include passport or national identity documents. Proof of address is required by some current card programs/regions (typically a valid document issued within the previous three months), so applicants should expect this requirement even though it may not appear in every regional flow.
Sign-up:Open sign-up · since 2026-07 — Gate Card is offered through multiple regional card programs rather than one identical global product. Gate currently confirms Gate Card Midnight for compliant EEA users and a separate Gate US Visa debit/prepaid program for eligible US users. Other Gate Card variants are available in multiple countries/regions, but Gate does not publish one current exhaustive global country list; eligibility must be checked in the application flow. · Source
ATMConfirmed workingPhysical Gate Card variants can withdraw cash at supported Visa/Mastercard ATMs and may charge issuer/program-specific ATM fees. Published physical Visa programs show limits up to 5,000 USD per transaction/day and 15,000 USD/month. This is not universal: Gate US Card explicitly does not support ATM cash withdrawals.
Confirmed workingMixed reportsNot workingUnknown
Fees
Virtual card issuance
Free
Physical card issuance
Free
Monthly fee
Free
Annual fee
Unknown
FX fee
1.5% · There is no single global Gate Card FX rate. The currently published prepaid Gate Card fee schedule charges 1.50% on non-USD transactions, while other regional/card variants publish different rates (for example 0.40% for Classic/Platinum and 1.00% for Standard/Signature variants). Users should check the fee schedule for their specific card program.
Crypto conversion
0.9% · Prepaid-mode programs commonly publish a 0.90% crypto-to-fiat/top-up fee. Instant Spend variants can use account assets directly and regional conversion pricing differs, so 0.90% is not universal across every Gate Card.
ATM fee
2%
Physical card replacement
$25
Cancellation fee
$1
Refund fee
2%
Chargeback fee
$35
Virtual card issuance
Free / limited-time free depending on program
Physical card issuance
Free in published Classic, Platinum, Standard and Signature programs
Monthly fee
0
Inactivity fee
0
Prepaid top-up / crypto conversion
Typically 0.90%; varies by program
Foreign exchange
0.40%–1.50% in currently published regional/card schedules
ATM withdrawal
Usually 2% on several physical-card programs; Signature publishes 1 USD + 0.65%; Gate US does not support ATM cash withdrawals
Replacement card
25 USD on several physical-card programs
Chargeback
30–35 USD depending on program
Limits
Limit type
Dynamic
Adjustable by user
Yes
ATM per transaction
$5000
ATM per day
$5000
ATM per month
$15000
Tiers
Current prepaid Gate Card program · $25000/tx · $150000/d · $1000000/m · Published July 2026 Gate Card fee/limit schedule; limits can be reviewed for increase by support.
Gate US · $2000/d · Standard daily limit; eligible individual users can increase daily limit to 5,000 USD after 30 days of card transaction history or 1,000 USD cumulative spend.
Standard Card · $50000/d · $990000/m · Published Standard Card schedule; regional/card availability applies.
Summary
Gate Card limits vary materially by card program, region and card tier; there is no universal Gate Card limit. Current published examples range from 2,000 USD/day on Gate US to much higher limits on other Gate Card programs. Several programs allow users to request higher limits through Gate support. ATM limits shown here are from a published physical Visa program and do not apply to Gate US, where ATM withdrawals are not supported.
Funding
Funding methods
Exchange balance, Crypto / stablecoin
Supported assets
USDT, USDC, BTC, ETH, GT
Crypto to fiat
Auto-convert at transaction
Fiat deposit
Unknown
Summary
Gate Card supports multiple funding models. Instant Spend allows eligible cards to draw from Gate Pay, Spot Account or Simple Earn/HODL & Earn without manual card top-up; the generic Instant Spend experience currently highlights USDT, BTC, ETH and GT. Prepaid-mode cards are funded by converting assets from Gate Pay or Spot into the card's fiat balance. Gate Card Midnight in the EEA currently supports USDC, BTC and ETH. Exact assets and funding mode depend on card type, issuer and region.
Rewards
Cashback
Yes
Base rate
1%
Max rate
8%
Monthly cap
400 USDT-equivalent
Tiers
T0 · 1% · Entry tier; up to 500 points / about 5 USDT equivalent per month.
T1 · 1% · Tier determined by Gate VIP level or monthly card spending, whichever grants the higher benefit; up to about 50 USDT equivalent per month.
T2 · 2% · Tier determined by Gate VIP level or monthly card spending; up to about 100 USDT equivalent per month.
T3 · 3% · Tier determined by Gate VIP level or monthly card spending; up to about 150 USDT equivalent per month.
T4 · 5% · Higher Gate VIP level or monthly card spending; up to about 250 USDT equivalent per month.
T5 · 8% · Highest published Gate Card reward tier; up to 40,000 points / about 400 USDT equivalent per month.
Conditions
Eligible Gate Card purchases earn Gate Points rather than direct fiat cashback.
Card tier is determined by Gate VIP level or monthly card spending, with the higher eligible benefit applied.
Points can be redeemed for supported digital assets including BTC, ETH, USDT and GT.
Reward eligibility, excluded transactions, point caps and card-tier availability are subject to the specific Gate Card program.
Reward asset
Gate Points
Staking required
No
Token holding required
No
Perks
1% base cashback equivalent and up to 8% at the highest Gate Card reward tier.
Gate Points can be redeemed for digital assets including BTC, ETH, USDT and GT.
Instant Spend variants can draw directly from Gate Pay, Spot or Simple Earn/HODL & Earn accounts.
Eligible Gate Card variants support Apple Pay and Google Pay.
Security
Custody
Custodial
Program manager / partner
Varies by card program. Gate US uses Bridge Ventures LLC as program manager, while Gate is the platform provider.
Regulated entity
Gate Technology Ltd / regional Gate entities
Jurisdiction
Varies by region; Gate US is a separate US card program and Gate Europe operates under EEA/Malta regulatory authorisations.
Gate Card does not have one universal issuer across all regions; issuer and legal protections must be checked for the specific card program.
Gate US Card is issued by Lead Bank, a Missouri state-chartered bank, and managed by Bridge Ventures LLC. Unauthorized-transaction and error-resolution rights for the US program are governed by the Electronic Fund Transfer Act and Regulation E.
Gate Europe is operated by Gate Technology Ltd, authorised by the Malta Financial Services Authority as a Crypto-Asset Service Provider and Financial Institution; this does not by itself identify the legal issuer of every EEA Gate Card variant.
Freeze card
Yes
Two-factor auth
Yes
Biometric auth
Unknown
3-D Secure
Yes
Spending controls
Unknown
Merchant controls
Unknown
PIN management
Yes
Transaction notifications
Yes
Chargeback
Yes
Dispute support
Yes
Fraud protection
Unknown
Deposit insurance
Unknown
Merchant usage
Virtual card
Yes
Physical card
Yes
Online
Yes
In store
Yes
Contactless
Yes
Recurring payments
Yes
Subscriptions
Yes
ATM withdrawals
Yes
ATM worldwide
Yes
Base currencies
USD
Editorial
Gate Card is now a family of regional crypto debit-card programs rather than one uniform Visa prepaid card. Current offerings use both Visa and Mastercard, support virtual and physical cards in eligible regions, and can use either Instant Spend from Gate accounts or prepaid funding depending on the card. Rewards start at 1% and reach 8% through Gate Points, while Apple Pay, Google Pay, 3D Secure and freeze/PIN controls are supported on eligible programs. The main drawback for comparison is fragmentation: issuer, fees, limits, assets and ATM availability vary significantly by jurisdiction and card type, so users must verify the exact program shown in their Gate account.
Pros
Multiple Visa and Mastercard Gate Card programs are now available, rather than a single Visa-only product.
Both virtual and physical cards are available in eligible programs; physical variants can support ATM withdrawals.
Apple Pay and Google Pay are supported on eligible current programs, including Gate Card Midnight in the EEA and Gate US.
Instant Spend can draw directly from Gate Pay, Spot or Simple Earn/HODL & Earn on supported card variants.
Cashback starts at 1% and reaches up to 8% through Gate's points-based reward tiers.
Strong published card controls include instant freeze/unfreeze, 3D Secure, PIN management, 2FA-protected card details and transaction notifications.
Some non-US Gate Card programs publish very high spending limits, with support review available for higher limits.
Cons
Gate Card is not one standardized global product: issuer, network, funding mode, assets, fees, limits and ATM support vary materially by region and card variant.
The generic Gate Card page does not disclose one universal legal issuer, reducing issuer transparency for a global comparison.
Prepaid/card variants can charge about 0.90% crypto conversion/top-up fees plus 0.40%–1.50% FX fees depending on program.
Entry-tier cashback is only 1% and the T0 monthly reward cap is about 5 USDT equivalent.
The advertised 8% cashback requires the highest T5 tier and is paid as Gate Points rather than direct fiat cashback.
Gate US has substantially lower default spending limits than several other Gate Card programs and does not support ATM withdrawals.
Fees and requirements change often. Confirm on the issuer's site before applying. Referral codes are provided as listed by the source.
Disclaimer: this page is compiled by A.I. and our editors from public sources. It is for reference only, is not financial, legal or tax advice, and may be out of date or incomplete. Always verify with the issuer before applying — gimgs.net accepts no liability for any decision made based on this information.