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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:
These two are close: Gemini Credit at 4.4/5 vs Gnosis Pay at 4.2/5. Gemini Credit has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Debit | Mastercard Credit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | €30.23 (often waived via referrals) | Free |
| Annual fee | Free | Free |
| FX fee | 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, not card FX) |
| Rewards | ||
| Cashback | Up to 5% (Tiers) | Up to 4% |
| Yield on spendable balance | No | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | Yes IBAN (Estonia, via Monerium); Yes SEPA; SWIFT not disclosed | No |
| Daily spend limit | €8000/day | None (US credit card) |
| ATM withdrawal limit | €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) | Link to Gemini account; spend in fiat (USD) |
| Regions | 32 European countries; also Brazil via Picnic partner and Argentina via partners | USA only |
| Behind the card | ||
| Card issuer | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
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| Get Gnosis Pay Card | Get Gemini Credit Card | |
Gemini Credit Card is the better card here. 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 (4.4/5) is the stronger option for most people compared to Gnosis Pay Card (4.2/5).
