Our Official Verdict
VIP Spending Power: 2% Rewards + Lowest FX Markup
The Silver tier is where Gate.io truly competes. By offering lower FX markups and 2% rewards, it provides significant value for Argentinian residents and high-volume traders. With Free annual fees, it stands out as one of the best localized cards in South America.
Overview
Premium Visa card for VIP 4+ or Argentinian users. 2% rewards and lower FX fees.
Fees & Charges
Annual Fee
Free
FX Fee
0.4%
ATM Fee
TBD
Requirements
Supported Regions
EEA, ARGENTINA
Spendable Assets
USDT, USDC, BTC, ETH
Gate Card Silver Review
Gate Card Silver is Gate.com's EEA-only Visa debit card for Gate VIP 4+ or allowlisted users, supporting USDT, USDC, BTC, and ETH spending with points-based cashback. Source
Card snapshot
Silver is the Visa branch of the Gate Card program. Gate states it can be used at over 130 million merchants worldwide that accept Visa and that the virtual card can be used instantly without activation. Source
Eligibility and availability
Gate explicitly limits Silver to Gate VIP 4 and above or allowlisted users, with availability currently restricted to the EEA. If you are not VIP 4+, the issuer directs you to the Midnight product instead. Source
Supported assets and spending flow
Gate lists USDT, USDC, BTC, and ETH as supported payment currencies and notes that more will be added later. The card is linked directly to your Gate account, so you do not need a separate top-up wallet for everyday spending. Source
Payments and wallet support
Silver supports Google Pay and is presented as a virtual card that can be used instantly without activation. Apple Pay is not listed for Silver on the official FAQ, so treat Google Pay as the only confirmed mobile wallet for this tier. Source
Fees and FX treatment
Issuance, conversion, and FX
Gate lists issuance and monthly fees as free. Spending incurs a 0.9% conversion fee, and Silver adds a 0.4% FX fee for non-USD settlements. If your spend settles in USD, the FX line item may not apply, but Gate only publishes the explicit non-USD rate on the landing page. Source
ATM withdrawals
Gate states that ATM withdrawals are supported but that fees and limits apply. The landing page does not publish the detailed ATM schedule, so confirm the live limits during application. Source
Rewards and points
Gate markets cashback in points with a 1% base rate and a 2% new-user promo, plus a monthly cashback-in-points headline of $1,000+. It also highlights that rewards can be redeemed in USDT, BTC, ETH, or GT. These are issuer-stated promos, so verify the current terms in your account before you model long-term rewards. Source
Fees and break-even math
Annual fee: $0; FX fee: 0.4%; ATM fee: Varies. With $0 annual fees and up to 2% points-based cashback, the Gate.io Silver card breaks even on every purchase. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Gate.io Card Page.
Traditional perks audit
- Purchase protection: Not disclosed; treat as unavailable until confirmed.
- Price protection: Not disclosed; treat as unavailable until confirmed.
- Travel insurance: Not disclosed; treat as unavailable until confirmed.
Competitor comparison
Closest alternatives include the Binance Card and the Bybit Card. Compare network acceptance, conversion fees, and wallet support before choosing a primary card for EEA spending.
