Side-by-side comparison of Gnosis Pay Card and Coinbase Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Both cards score closely — Coinbase at 3.7/5 vs Gnosis Pay at 3.6/5. Coinbase has a slight edge, but the best choice depends on your priorities.
| Features |  Gnosis Pay Card |  Coinbase Card |
|---|---|---|
| Physical only | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Debit | Visa Debit | |
| €30.23 (often waived via referrals) | Free | |
| Free | Free | |
| ~1.5% stabilization fee on all transactions (marketed as 0% FX but this fee applies to every purchase) | 2.49% crypto liquidation + 0.20% domestic spend OR 3.00% intl surcharge (total ~2.69% domestic / ~5.49% intl) | |
| Up to 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) | Up to 4% crypto cashback (varies by selected reward crypto) | |
| €8000/day | Varies by verification, high limits available | |
| €200/month or 5 withdrawals free; then 2% + €1 minimum | $1000/day, $10000/month; 2% international fee | |
| EURe, GBPe stablecoins on Gnosis Chain | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) | |
| 32 European countries including UK, EEA, Switzerland | USA, United Kingdom, EEA | |
| Get Gnosis Pay Card | Get Coinbase Card |
Coinbase Card is our pick in this matchup. Coinbase also lets you earn yield on your deposits, something Gnosis Pay doesn't offer. Zero fixed costs give Coinbase a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Gnosis Pay may be better if you prefer self-custody have specific feature requirements.
Bottom line: For most crypto card users, Coinbase Card (3.7/5) delivers better overall value than Gnosis Pay Card (3.6/5).