Gate Card
For Gate users: spend your account balance directly
Kenya: not yet confirmed
Remember to enter the invite code PENCHANC
Features
- 🤖 Pay for ChatGPT/Claude subscriptions
- 🆓️ No card issuance or monthly fee
- 🏦 Exchange
- 🏷️ Debit card
Cashback & fees
How to get it: Free, no minimum 🔗
- Cashback
- 1%
- Gate points · Up to US$5 cashback a month
- FX fee
- 1.9%
- FX 1% + crypto conversion 0.9%
- Annual fee
- US$0
Other fees
- Cashback cap per purchase
- US$2
- ATM withdrawal
- 2%
- Small purchases
- Transactions under US$2 pay a US$0.05 conversion fee instead
- Top-up
- Free from your Gate Pay balance
- USD purchases (overseas merchants)
- 0.9% (crypto conversion fee only)
- Dispute handling
- US$30
- Card replacement
- US$25
- Inactivity fee
- Free
See how much you could earn
Drag to see your cashback each month! FX fees are not deducted here.
—/ month
About — cashback a year
Estimated from public information; the official terms prevailWorks with
- Apple Pay Not yet verified Not yet verified. Tried it? Let us know
- Google Pay Not yet verified Not yet verified. Tried it? Let us know
- ChatGPT subscription Supported
- Claude subscription Supported
Spend it in these places
- Kenya
How to apply
- Use the button below to create a Gate account
- After opening a Gate account, enter invite code PENCHANC when you apply for the card (it can't be added after you submit)
- Complete Gate identity verification (KYC), then apply for the card in the app
Invite code PENCHANC
Know before you apply
-
This page is based on the Standard Card; Gate's other cards differ in FX fee, Apple Pay support and eligibility. 🔗
Notes
"Available" still means passing the issuer's identity check. Rates, yields and promotions follow the official announcements and can change at any time.
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