Ledger
Gate US Card
Gate US CardGate US Card
VisaVirtual onlySince 2026Asks for a documentOperational
The US-only sibling of the global Gate card: a virtual Visa issued by Lead Bank, funded straight from a Gate US exchange balance that accepts on-chain deposits of USDT, USDC, BTC or ETH, with a fee table that charges 0.9% to load and nothing else.
Total, per $100 spent: not published
The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.
Open gate.comNot a paid link: we earn nothing either way.
Whether to take Gate US Card
Worth it for a US resident outside the seven excluded jurisdictions who holds assets on Gate US and wants to spend them online and by phone: 0.9% in and nothing else published is cheap, and the issuer, program manager and licences are all named. Not worth it if you need cash or spend abroad — ATM use is forbidden outright, and neither the foreign-transaction cost nor the conversion spread is published anywhere.
In its favour
- The published fee table is short and all-zero apart from one line: virtual issuance free, monthly free, inactivity free, and 0.9% to move money onto the card
- The issuing stack is named end to end — Lead Bank as issuer under a Visa licence, Bridge Ventures LLC as program manager, Gate US, Inc. as platform provider with NMLS ID 2272810 and money transmitter licences in 36 US jurisdictions
- Funded from the exchange balance, which can be filled by an on-chain deposit from any external wallet — no bank transfer required to get started
- Four assets fund it directly, including BTC and ETH rather than stablecoins only, converted at the till into the spending currency you nominate
Against it
- United States only, and seven US jurisdictions are excluded on top — Alaska, Texas, Louisiana, the US Virgin Islands, New York, Washington and North Carolina. Texas and New York alone are about a fifth of the country, and this site's country field cannot express a state-level exclusion
- No ATM access at all. The terms forbid cash withdrawal outright, and the marketing page never says so
- The "Cardholder Agreement" linked from Gate US's own card page is a different company's contract — carrying its fee figures across would be a mistake a reader could easily make
- No foreign-transaction or currency-conversion fee is published anywhere, yet the card is sold for use where Visa is accepted worldwide — the cost of spending abroad is undisclosed
Also true, in its favour
- Apple Pay and Google Pay, so a virtual-only card still works in person
- $5,000 a day is published as a plain number rather than a tier table
What Gate US Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0.9% |
| To spend it | |
| At a cash machine | No ATM access at all — the card terms forbid using it to withdraw cash, so there is no fee because there is no function |
| Total, per $100 spent | Not published |
Not published by the issuer: to spend, per payment, fixed, to spend outside the dollar.
Read off gate.com on September 12, 2026.
One charge and a row of zeros: 0.9% to move money onto the card, with virtual issuance, the monthly fee and the inactivity fee all free. Spending is capped at $5,000 a day. Nothing is published for currency conversion or foreign transactions, which matters because the card is marketed for use wherever Visa is accepted — and Gate US separately states that it takes a spread on the digital-asset sale funding each purchase without ever quantifying it. Disputing a transaction costs $35. There is no ATM fee for the structural reason that there is no ATM access: the terms forbid cash withdrawal. Seven US jurisdictions are excluded and the specific card-level state restrictions are never published, only referred to.
KYC: what Gate US Card asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Daily spend$5,000
Not published by the issuer: monthly spend, per payment, maximum balance, cash, per day.
Confirmed on gate.com on September 12, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in4USDT, USDC, BTC, ETH
Issued only to residents of 1 countries — the issuer runs an allowlist, so everywhere else is closed.
- United States
The other flaws
- Gate US takes an unquantified spread on the asset sale that funds each purchase, and says so without pricing it
- Gate US reserves the right to debit or offset the rest of your account to cover a card transaction
- No FDIC insurance on the crypto side, with Gate US's own blunt disclosure that in an insolvency "all or some of your assets may be lost"
- $35 to dispute a transaction, higher than the $30 on the global Gate card
- Support is split three ways, with different phone numbers depending on the problem
- A separate product from the global Gate Card despite the shared name, with a daily limit an order of magnitude smaller — anyone arriving from the other entry will misjudge it
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off gate.com on September 12, 2026.
- Issuer's page
- Loading chargeSeptember 12, 2026 · IssuanceSeptember 12, 2026 · MonthlySeptember 12, 2026 · Cash machine charge · Spending limitsSeptember 12, 2026 · Apple Pay and Google Pay
- Sign-up flow
- Identity levelSeptember 12, 2026
- Live check
- Operating statusSeptember 12, 2026
- Terms
- Countries closedSeptember 12, 2026
- The issuer does not publish
- Cost per $100 · Currency conversion · Per-payment charge · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open gate.comNot a paid link: we earn nothing either way.
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