Gate US Card
by Lead Bank
Gate US Card is a Visa prepaid debit card issued by Lead Bank for eligible U.S. Gate US users. After approval, a virtual card is ready immediately. Users top up from a Gate US spot balance (the official card page shows USDT, USDC, BTC, and ETH) and spend where Visa is accepted; conversion to USD happens at the point of sale. Bridge Ventures LLC is program manager; Gate US, Inc. is platform provider and is not a bank. Crypto balances are not FDIC-insured. The card is not available in all U.S. states.
Unique Features
- Pay from a Gate US Spot Account with USDT, USDC, BTC, or ETH
- Conversion to USD happens at the point of sale
- In-app freeze and unfreeze after security verification
Pros
- Instant virtual Visa prepaid debit after approval, with no published virtual issuance fee
- Spend supported Gate US balances (USDT, USDC, BTC, ETH) without a separate pre-convert step
- Published recurring card costs are $0 monthly and $0 inactivity; virtual issuance is Free
- In-product freeze and unfreeze after security verification
- Official Gate US blogs: virtual card can be added to Apple Pay and Google Pay
Cons
- Not issued in every U.S. state; the full list is in-app only and approval is not guaranteed
- USDC and other crypto balances are not bank deposits and not FDIC insured
- A 0.90% top-up fee is published; no single FX or ATM percentage is published (those sit in an unpublished Cardholder Agreement)
- Daily spend starts at $2,000 USD ($5,000 only after stated history or spend conditions)
- A $35 chargeback fee is published
- You must be 18+ with a Gate US account in a supported state; public apply/help currently describe virtual issuance
Integrations & Tech
Available In (1)
Fee Structure
Fee Details
Fees may apply. Public Gate Card help lists virtual issuance, monthly, and inactivity as Free, a 0.90% top-up fee, and a $35 chargeback fee. No single FX percentage or ATM percentage is published. POS conversion rates and other card fees are referred to the Cardholder Agreement, which is shown at apply / in-product. A 21 Jul 2026 help snapshot listed $0.10/transaction; the 10 Aug 2026 page no longer does.
Limits & Conditions
Daily spend starts at 2,000 USD, raiseable to 5,000 USD after 30 days of card transaction history or 1,000 USD cumulative spend.
