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Coinbase Card vs Gnosis Pay Card (Gnosis Card)

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-24
Coinbase Card3.6

Coinbase Card is a fee-free Visa debit card that spends straight from your Coinbase balance and pays up to 4% back in rotating crypto rewards for US users.

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.

No verdict

No verdict: both cards score 3.6 out of 5 on our rubric, so the rows below decide by what you need.

Criterion
Editorial rating
Coinbase Card
3.6
Gnosis Pay Card (Gnosis Card)
3.6

Coinbase 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.

Coinbase Card and Gnosis Pay Card (Gnosis Card) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactCoinbase CardGnosis Pay Card (Gnosis Card)
Editorial rating3.63.6
IssuerCoinbaseGnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America
CashbackUS Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.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 tier4% Bitcoin back (Coinbase One Card, $200,000+ AOC)4% (5% with OG NFT) (100 GNO held)
Reward tiers54
FeesNo annual, monthly, or issuer-side ATM/foreign-transaction fee on the US Visa debit card; the Coinbase One Card carries a required paid membership starting at $4.99/month instead of a card fee.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 in3236
Countries both are issued in3030
Last reviewed2026-08-242026-08-24

Pros and cons, side by side

Coinbase Card

What works

  • No monthly or annual fee on the base Visa debit card
  • No issuer-side foreign transaction or ATM fee in the current cardholder agreement
  • Coinbase One Card's Bitcoin-back tiers scale up to 4% for larger Coinbase balances
  • Widely accepted Visa network with Apple Pay and Google Pay support

What to watch

  • Rewards on the plain Visa debit card are US-only; UK and EEA cardholders can spend but earn nothing
  • Coinbase One Card rewards require a paid membership on top of the card itself
  • The 2.5-4% Coinbase One Card tiers are capped at the first $10,000 of monthly spend, reverting to 2% after that
  • Buying crypto with either card is treated as a cash advance with a high APR and no rewards

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

No verdict: both cards score 3.6 out of 5 on our rubric, so the rows below decide by what you need. 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, Coinbase Card or Gnosis Pay Card (Gnosis Card)?

Coinbase Card: US Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.. 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 Coinbase 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. Coinbase Card is issued in 32 countries we track and Gnosis Pay Card (Gnosis Card) in 36.

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

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