Gate Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-12

Key Facts

Cashback

Up to 5%

Annual Fee

€0

Region

EEA

Type

Debit

Network

Visa

KYC

full

Mobile Pay

Apple Pay, Google Pay

Overview

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 5% cashback across 5 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0. It runs on the Visa network and requires full identity verification.

Fees & Costs

Conversion Fee

~1%

Cashback Tiers

Gate Card cashback tiers and requirements

Tier	Rate	Requirement
T0	1%	Free, VIP 0-4 (no spend requirement), 5 USDT/mo cashback cap
T1	2%	$500/mo card spend or VIP 5-7 (1,000 GT held or $1M 30-day volume for VIP 1)
T2	3%	$1,500/mo card spend or VIP 8
T3	4%	$5,000/mo card spend or VIP 9
T4	5%	$10,000/mo card spend or VIP 10-14, up to 250 USDT/mo cashback cap

Pros

• High cashback rate of up to Up to 5%
• Supports Apple Pay and Google Pay

Cons

• Limited to European Economic Area and/or UK

Note: Gate (formerly Gate.io) exchange card for EEA residents. T0-T4 tier system (2026 update) with up to 5% cashback (was 3%). Dual-track: monthly card spend OR exchange VIP level, whichever qualifies higher (reassessed monthly). 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. Monthly card spend ceiling $1.5M. Virtual + physical.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Bybit Card by Bybit - 2-10% cashback, €0 (€5 card issuance) fee, EEA/Switzerland/LATAM
• Bleap Card by Bleap - 1-20% USDC cashback, $0 fee, EEA + Switzerland
• Holyheld Card by Holyheld - 0.5-1% USDC cashback, €29-€199 one-time fee, EEA (30 countries)
• Bitsa Card by Bitsa - 0% cashback, €20 physical fee, EEA
• Bitwala Card by Bitwala - 0% cashback, 1% trading fee, EEA (29 countries)
• Mercuryo Spend Card by Mercuryo - 0% cashback, $0 (€1/mo inactivity) fee, EEA
• Trustee Plus Card by Trustee Global - 0% cashback, $0 fee, EEA
• xPortal Card by xPortal - 0.1-0.5% (capped) cashback, €0 fee, EEA

FAQ

What is the Gate Card?

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.

How much cashback does the Gate Card offer?

The Gate Card offers Up to 5% cashback. There are 5 tiers: T0 (1%), T1 (2%), T2 (3%), T3 (4%), T4 (5%).

What are the fees for the Gate Card?

The Gate Card has an annual fee of €0. Additional fees: Conversion fee: ~1%.

Where is the Gate Card available?

The Gate Card is available in EEA. Its availability status is "EEA".

Is the Gate Card a credit or debit card?

The Gate Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the Gate Card support Apple Pay or Google Pay?

Yes, the Gate Card supports Apple Pay and Google Pay for contactless payments.

Visit Gate.io

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.