Which US Route Applies to You
The Gold Card was created by Executive Order 14351, signed on 19 September 2025, and opened to applications in December 2025. The gift itself is made to the Department of Commerce: $1,000,000, or $2,000,000 per employee where a company sponsors the applicant, plus a $15,000 processing fee to the Department of Homeland Security — both charged per person, so a family of four is around $4,000,000 plus $60,000. A successful applicant receives lawful permanent residence through the EB-1 or EB-2 categories, filed on USCIS Form I-140G, subject to visa availability. Full detail is on the Gold Card page.
That money does not come back. It is a gift to the U.S. government, not an investment, and nothing about the application depends on running a business or creating jobs. The $15,000 fee is non-refundable and paid up front; the gift follows vetting. EB-5 is the opposite trade: $800,000 into a targeted employment area or infrastructure project, or $1,050,000 into a standard project, kept at risk in a commercial enterprise that creates at least 10 full-time jobs. Those thresholds are due their first inflation adjustment on 1 January 2027.
Two caveats matter more than any figure here. Either route makes you a U.S. tax resident, taxed on worldwide income including earnings that never touch the United States — the point that most often changes the answer for someone comparing this with a European golden visa. And the Gold Card rests on an executive order rather than an act of Congress, so a future administration can end it, and its legal basis is open to challenge. EB-5 is statutory. A lawyer who does not raise that difference unprompted is not the lawyer for this decision.
EB-5 Legal Review
USCIS distinguishes standard investments from reduced-threshold investments in targeted employment areas or infrastructure projects. A lawyer should confirm current thresholds, job-creation methodology and whether the investor is filing a standalone or regional-center petition.
Source-of-funds evidence is often the most time-consuming part. Sale proceeds, business income, loans, gifts, inheritance and crypto proceeds all need clear documentation and transfer history.
Timing and Project Risk
EB-5 leads to conditional permanent residence, and capital repayment is not guaranteed. Immigration counsel should coordinate with securities and project diligence professionals rather than treating the investment as a safe deposit.