The Gate Card earns Up to 8% cashback on a Visa debit card with no annual fee, available in EEA.
Gate (formerly Gate.io) is a centralized cryptocurrency exchange founded in 2013 by Lin Han, originally launched in China as Bter.com before relocating after the country's 2017 crypto restrictions. It is currently registered in George Town, Cayman Islands.
The Gate Card is a crypto debit card offered by Gate.io, available in EEA. It offers Up to 8% cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0.
Best suited for reward-focused spenders willing to optimize for cashback. Note that monthly cashback caps apply. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| T0 | 1% | Free, no spend requirement, 5 USDT/mo cashback cap |
| T1 | 1% | 500 USDT/mo card spend or exchange VIP 5-7, 50 USDT/mo cashback cap |
| T2 | 2% | 3,000 USDT/mo card spend or higher exchange VIP level, 100 USDT/mo cashback cap |
| T3 | 3% | 6,000 USDT/mo card spend or higher exchange VIP level, 150 USDT/mo cashback cap |
| T4 | 5% | 10,000 USDT/mo card spend or higher exchange VIP level, 250 USDT/mo cashback cap |
| T5 | 8% | 15,000 USDT/mo card spend or exchange VIP 13-14, 400 USDT/mo cashback cap |
The issuer's Gate-specific terms define the account as a card ledger with no IBAN, while its general terms describe IBAN-numbered accounts; Gate's own pages could not be retrieved to resolve which applies. EEA-only programme.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Gate Card is: gas $0.00, conversion spread $4.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.9% of spend. After $5.00/mo cashback that nets a gain of about $0.50/mo ($6.00/yr). Gate Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Gate (formerly Gate.io) exchange card for EEA residents. July 2026 relaunch consolidated the previous cards into a single Visa Platinum and extended the ladder from T0-T4 to T0-T5, with the top rate rising from 5% to 8%. Rates and monthly caps by tier: T0 1% (5 USDT), T1 1% (50 USDT), T2 2% (100 USDT), T3 3% (150 USDT), T4 5% (250 USDT), T5 8% (400 USDT). Dual-track: monthly card spend OR exchange VIP level, whichever qualifies higher (reassessed monthly); the 8% top tier previously required VIP 10+ trading volume and is now also reachable on 15,000 USDT/mo of card spend. Intermediate VIP breakpoints for T2-T4 are not restated in the relaunch announcement. Cashback paid as points (100 pts = 1 USDT), redeemable as BTC/ETH/USDT/GT. Travel rewards: up to 7% on hotel stays, 2% on flights. Single-transaction and daily limits up to $500,000, monthly card spend ceiling $1.5M. Virtual + physical. VIP+1: spending EUR 300+/mo on card grants +1 VIP level boost.
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The Gate Card is a crypto debit card offered by Gate.io. It is available in EEA and allows users to spend cryptocurrency at merchants worldwide.
The Gate Card offers Up to 8% cashback. There are 6 tiers: T0 (1%), T1 (1%), T2 (2%), T3 (3%), T4 (5%), T5 (8%).
The Gate Card has an annual fee of €0. Additional fees: Conversion fee: ~0.9%.
Yes. The Gate Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Gate Card is available in EEA.
The Gate Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Gate Card supports Apple Pay and Google Pay for contactless payments.
The Gate Card is issued by UAB Stanhope Financial. Licences: EMI (Bank of Lithuania, EEA).
Client funds backing the e-money are held in a protected client-funds bank account at an unnamed institution, shielded from the issuer's creditors; e-money is not a deposit and pays no interest.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.