Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Gnosis Pay Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Gemini Credit rates 4.5/5, slightly ahead of Gnosis Pay at 4/5. Both are solid options, but Gemini Credit is the better pick for most people.
Gemini Credit Card is the better card here. Gemini Credit also lets you earn yield on your deposits, something Gnosis Pay doesn't offer. Zero fixed costs give Gemini Credit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gnosis Pay may be better if you prefer self-custody need something it does better.
In short: Gemini Credit Card (4.5/5) is the stronger option for most people compared to Gnosis Pay Card (4/5).
| Features |  Gnosis Pay Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard Credit | |
| €30.23 (often waived via referrals) | Free | |
| Free | Free | |
| 0% FX markup from Gnosis Pay — only Visa's wholesale exchange rate is applied (no additional foreign transaction fee) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| Up to 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| €8000/day | Cash advance only; 3% + $10 fee, 29.99% APR | |
| €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) | not card FX) | |
| 32 European countries; also Brazil via Picnic partner and Argentina via partners | USA only | |
| Get Card | Get Card |