Cardipays
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Head to headChecked 02 Nov 2026
Gate Card: $6.00Ethena Pay: $30.00on $1,000/mo abroad

Gate Card vs Ethena Pay

Arithmetic on published base numbers, $1,000 of non-USD spend a month: Gate Card 1% back minus 0.4% FX = $6.00; Ethena Pay 4% back minus 1% FX = $30.00. Caps, plan fees and payout rules are not in this number, see the rows below.

Cashback (base)1%4%
FX on non-USD0.4%1%
Cashback limitsT0 up to 5 USDT/mo; T5 8% up to 400 USDT/mo4% on first $2,500/mo, 1% to $4,000, 0% above; under $1 nothing
Costnot statedfree
Payoutnot statedpaid in AVAX daily; under $1 purchases earn nothing
RegionsNon-restricted countries (no official list)About 50 countries (not US, EU, UK, Russia)
Annual feeNot disclosedFree
ATMIssuer fees may apply$1 + 0.65%
Sourceissuer help centerissuer help center

Base tier numbers. Higher tiers on each fee sheet: Gate Card, Ethena Pay.

Questions answered

Which pays more cashback, Gate Card or Ethena Pay?

Gate Card pays 1% on the base tier, Ethena Pay pays 4%. Limits: Gate Card T0 up to 5 USDT/mo; T5 8% up to 400 USDT/mo; Ethena Pay 4% on first $2,500/mo, 1% to $4,000, 0% above; under $1 nothing.

Which has lower FX fees, Gate Card or Ethena Pay?

Gate Card charges 0.4% on non-USD purchases, Ethena Pay charges 1%. Published fees only, no receipt data for this pair yet.

Can I get both Gate Card and Ethena Pay where I live?

Gate Card: Non-restricted countries (no official list). Ethena Pay: About 50 countries (not US, EU, UK, Russia).