Bybit Card vs Gnosis Pay Card (Gnosis Card)

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

Bybit Card is a family of regional Mastercard debit programmes paying 2 to 10 percent cashback in Bybit points, with EEA cardholders moving to a flat 1 percent for ordinary users in 2026.

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: Gnosis Pay Card (Gnosis Card)

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.4 for Bybit Card.

Criterion: Editorial rating
Bybit Card: 3.4
Gnosis Pay Card (Gnosis Card): 3.6

Bybit 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.

Bybit Card and Gnosis Pay Card (Gnosis Card) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Bybit Card	Gnosis Pay Card (Gnosis Card)
Editorial rating	3.4	3.6 (favoured on this row)
Issuer	Bybit	Gnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America
Cashback	2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.	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 tier	10% cashback (Infinite)	4% (5% with OG NFT) (100 GNO held)
Reward tiers	6	4
Fees	No annual or inactivity fee anywhere; EEA/Switzerland FX runs 0.5% and crypto conversion 0.9%, but non-European regions range from 1% (Australia) to as high as 7% (Argentina) in FX fees, plus a 2% ATM fee above a small free monthly allowance.	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 in	33	36
Countries both are issued in	30	30
Last reviewed	2026-08-25	2026-08-24

Pros and cons, side by side

Bybit Card

What works

No annual, monthly, or inactivity fee across every regional program
Cashback can reach 10% at the top VIP tier, higher than most competitors in this batch
Free virtual card issuance everywhere, with a roughly 5 EUR/USD physical card fee
EEA cardholders without VIP status now earn an uncapped flat 1% instead of a capped tiered rate

What to watch

Not one unified product: fees and terms differ sharply by region, and Argentina's FX fee runs as high as 7% plus a temporary padding hold
Turkey gets a virtual card only, with no physical card available
Reaching the top 8-10% cashback tiers requires Supreme VIP exchange status or very large monthly card spend ($12,500-$25,000)
Not available in the US, Canada, China, Japan, South Korea, Singapore or Australia

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 Bybit Card or Gnosis Pay Card (Gnosis Card) better?

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.4 for Bybit 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, Bybit Card or Gnosis Pay Card (Gnosis Card)?

Bybit Card: 2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.. 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 Bybit Card and Gnosis Pay Card (Gnosis Card)?

Both are issued in 30 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and Gnosis Pay Card (Gnosis Card) in 36.

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

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