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ether.fi Cash vs Gnosis Pay Card (Gnosis Card)

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
ether.fi Cash3.5

ether.fi Cash is a self-custodial Visa credit card that pays 3% cashback on the first $2,000 to $50,000 of monthly spend depending on membership tier, stepping down to 1% and 0.5% above that band.

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 3.5 for ether.fi Cash.

Criterion
Editorial rating
ether.fi Cash
3.5
Gnosis Pay Card (Gnosis Card)
3.6

ether.fi Cash 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.

ether.fi Cash and Gnosis Pay Card (Gnosis Card) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Factether.fi CashGnosis Pay Card (Gnosis Card)
Editorial rating3.53.6 (favoured on this row)
Issuerether.fiGnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America
Cashback3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.1% 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% flat, no banding (Business)4% (5% with OG NFT) (100 GNO held)
Reward tiers54
FeesNo annual fee at any tier; FX runs roughly 1% base rate plus a tier margin of 0-0.5% (Core) down to 0% (Pinnacle/VIP); ATM withdrawals cost 2% per transaction, capped at $500 with 3 attempts per 24 hours.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 in8236
Countries both are issued in3232
Last reviewed2026-08-252026-08-24

Pros and cons, side by side

ether.fi Cash

What works

  • Fully non-custodial, spending against a self-held crypto vault rather than a custodial balance
  • No annual fee at any of the four membership tiers
  • Higher tiers reduce or eliminate the FX margin entirely, down to 0% at Pinnacle and VIP
  • 3% cashback band scales up to $50,000 of monthly spend at the Pinnacle tier

What to watch

  • Cashback is banded, not flat: heavy spenders on lower tiers fall to just 0.5% once they exceed their tier's spend cap
  • ATM access is tightly capped at $500 per withdrawal and 3 attempts per 24 hours, limiting practical cash access to about $1,500/day
  • Physical card issuance costs $50-$100 depending on tier, unlike most competitors' free physical cards
  • Sources disagree on the exact reward asset (SCR/SCRL, wETH, or USDC across different documentation), so the payout token should be confirmed in-app before relying on it

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 ether.fi Cash or Gnosis Pay Card (Gnosis Card) better?

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.5 for ether.fi Cash. 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, ether.fi Cash or Gnosis Pay Card (Gnosis Card)?

ether.fi Cash: 3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.. 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 ether.fi Cash and Gnosis Pay Card (Gnosis Card)?

Both are issued in 32 countries, including Argentina, Austria, Belgium, Bolivia, Brazil, on each issuer's own eligibility page. ether.fi Cash is issued in 82 countries we track and Gnosis Pay Card (Gnosis Card) in 36.

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

More comparisons

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