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Bitpanda Card vs Gnosis Pay Card (Gnosis Card)

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-24
Bitpanda Card4.1

Bitpanda Card is a Visa debit card for euro area residents that pays a flat 1% cashback in whichever crypto asset funded the purchase, with no VIP tier or staking requirement.

Gnosis Pay Card (Gnosis Card)3.6

Gnosis Pay Card is a self-custodial Visa debit card that pays up to 5% back in GNO tokens based on how much GNO you hold, with zero card, FX, or gas fees.

Verdict: Bitpanda Card

Bitpanda Card rates higher on our rubric: 4.1 against 3.6 for Gnosis Pay Card (Gnosis Card).

Criterion
Editorial rating
Bitpanda Card
4.1
Gnosis Pay Card (Gnosis Card)
3.6

Bitpanda Card and Gnosis Pay Card (Gnosis Card), fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bitpanda Card and Gnosis Pay Card (Gnosis Card) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBitpanda CardGnosis Pay Card (Gnosis Card)
Editorial rating4.1 (favoured on this row)3.6
IssuerBitpanda GmbH (Austrian FMA-licensed); Visa issued via Transact Payments Malta LimitedGnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America
CashbackFlat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.1% to 4% cashback in GNO based on GNO held (0.1 to 100+ GNO), plus a further 1% for OG NFT holders, up to a 5% maximum, under an interim programme running through September 30, 2026.
Top reward tier1% cashback, paid in the crypto asset used for the purchase (Standard (all cardholders))4% (5% with OG NFT) (100 GNO held)
Reward tiers14
FeesFree first card issuance, no monthly or annual fee, 0% Bitpanda-side FX markup on top of the standard Visa network rate, and roughly €2 per ATM withdrawal.0% on card transactions, FX, and gas; free ATM withdrawals up to 5 per month or €200 (whichever comes first), then 2% per additional withdrawal.
Countries issued in1936
Countries both are issued in1919
Last reviewed2026-08-242026-08-24

Pros and cons, side by side

Bitpanda Card

What works

  • Flat 1% cashback available to every cardholder with no token-holding or staking tier required
  • No monthly or annual maintenance fee, and the first card is free to order
  • Cashback is paid instantly in the same asset used for the purchase
  • 0% Bitpanda-side foreign exchange markup beyond the standard Visa network rate

What to watch

  • Cashback excludes euro, stablecoin, precious-metal, and stock-funded purchases, only crypto-funded spending qualifies
  • Restricted to euro-area residents, so a verified Bitpanda account outside the eurozone does not qualify
  • Sources disagree on the exact ATM fee, ranging from a flat €2 to a 2%-or-€2-whichever-is-higher structure
  • Cashback rate dropped from a previous VIP-tiered maximum of 2% to a flat 1% for all users

Gnosis Pay Card (Gnosis Card)

What works

  • Fully self-custodial, spending directly from a user-controlled Safe wallet rather than a custodial balance
  • 0% fees across card transactions, FX markup, and blockchain gas costs
  • Cashback tiers require only holding GNO, not staking or locking it
  • No card, monthly, or annual fee

What to watch

  • The United Kingdom is explicitly excluded despite Gnosis Pay being a UK-registered company
  • Not yet available in the United States, Canada, Australia, or most of Asia and Africa
  • Each cashback tier caps weekly eligible spend, so heavy spenders earn nothing above the cap
  • The current cashback programme is explicitly time-limited through September 30, 2026 with no confirmed successor terms

Frequently asked questions

Is Bitpanda Card or Gnosis Pay Card (Gnosis Card) better?

Bitpanda Card rates higher on our rubric: 4.1 against 3.6 for Gnosis Pay Card (Gnosis Card). The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bitpanda Card or Gnosis Pay Card (Gnosis Card)?

Bitpanda Card: Flat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.. Gnosis Pay Card (Gnosis Card): 1% to 4% cashback in GNO based on GNO held (0.1 to 100+ GNO), plus a further 1% for OG NFT holders, up to a 5% maximum, under an interim programme running through September 30, 2026.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bitpanda Card and Gnosis Pay Card (Gnosis Card)?

Both are issued in 19 countries, including Austria, Belgium, Croatia, Estonia, Finland, on each issuer's own eligibility page. Bitpanda Card is issued in 19 countries we track and Gnosis Pay Card (Gnosis Card) in 36.

The full reviews: Bitpanda Card and Gnosis Pay Card (Gnosis Card), each with its sources, and every crypto card we review.

More comparisons

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