Side-by-side comparison of Gnosis Pay Card and Gemini Credit 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:
Gemini Credit is the clear winner in this matchup with a Sweepbase rating of 4.7/5 vs 3.6/5. It offers a stronger overall package across fees, features, and user experience.
| Features |  Gnosis Pay Card |  Gemini Credit Card |
|---|---|---|
| Physical only | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard Credit | |
| €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) | 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% + €1 minimum | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| EURe, GBPe stablecoins on Gnosis Chain | not card FX) | |
| 32 European countries including UK, EEA, Switzerland | USA only | |
| Get Gnosis Pay Card |
Gemini Credit Card is our pick in this matchup. 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. 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, Gemini Credit Card (4.7/5) delivers better overall value than Gnosis Pay Card (3.6/5).