The Gate Card earns Up to 8% cashback on a Visa debit card with no annual fee, available in EEA and other non-restricted countries (varies by residence and issuer).
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 and other non-restricted countries (varies by residence and issuer). 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 (exchange VIP 0-4), 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 exchange VIP 8, 100 USDT/mo cashback cap |
| T3 | 3% | 6,000 USDT/mo card spend or exchange VIP 9, 150 USDT/mo cashback cap |
| T4 | 5% | 10,000 USDT/mo card spend or exchange VIP 10-12, 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. These issuer terms cover the EEA 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 transaction 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, first recorded for EEA residents; Gate now says it is available to users in non-restricted countries or regions, varying by residence and issuer. 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. VIP breakpoints per Gate's card rewards help article: T0 VIP 0-4, T1 VIP 5-7, T2 VIP 8, T3 VIP 9, T4 VIP 10-12, T5 VIP 13-14; a new tier takes effect the following calendar month. Per-transaction points caps run from 200 points (T0) to 15,000 points (T5). 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. ISSUER FLAG (2026-08-27): the issuer and BIN-sponsor roles recorded here may be inverted. A 2023 Stanhope press release describes Stanhope Financial UAB as the electronic money institution and Visa Principal Member, and says the Lithuanian entity Gate Global UAB issues the Gate-branded cards. That is a single source from 2023 and gate.com blocks automated access, so the fields are left as they stand pending a browser check rather than reattributed on medium-confidence evidence. Note the EMI licence recorded below belongs to Stanhope.
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The Gate Card is a crypto debit card offered by Gate.io. It is available in EEA and other non-restricted countries (varies by residence and issuer) 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 and other non-restricted countries (varies by residence and issuer).
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.