Skip to content
buybitcoinsmart
Menu

Fold Card (debit) and Fold Credit Card vs Gnosis Pay Card (Gnosis Card)

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Fold Card (debit) and Fold Credit Card4.0

Fold is a US-only Bitcoin-rewards card family pairing a gamified spin-to-win debit card with a straightforward 1.5-to-4% Bitcoin-back Visa credit card, both with no annual fee.

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: Fold Card (debit) and Fold Credit Card

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.6 for Gnosis Pay Card (Gnosis Card).

Criterion
Editorial rating
Fold Card (debit) and Fold Credit Card
4.0
Gnosis Pay Card (Gnosis Card)
3.6

Fold Card (debit) and Fold Credit 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.

Fold Card (debit) and Fold Credit Card and Gnosis Pay Card (Gnosis Card) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactFold Card (debit) and Fold Credit CardGnosis Pay Card (Gnosis Card)
Editorial rating4.0 (favoured on this row)3.6
IssuerFold (Fold Bitcoin Credit Card issued by Celtic Bank, licensed by Visa U.S.A.)Gnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America
CashbackFold Card (debit): 0.5% base Bitcoin back plus gamified spin-wheel bonuses. Fold Credit Card: 1.5% flat Bitcoin back, plus 0.5% for paying with Bitcoin and up to 2% more on the first $2,000/month of qualifying activity, for up to 4% combined.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 tierUp to +2% (4% combined) on the first $2,000/month (Fold Credit Card, Boosted)4% (5% with OG NFT) (100 GNO held)
Reward tiers54
FeesNo annual fee on either the debit or credit card; the debit card's optional Fold+ subscription costs $10/month or $100/year (reportedly being phased out); the credit card carries a variable APR of roughly 20.49% to 29.49%.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 in136
Countries both are issued in00
Last reviewed2026-08-252026-08-24

Pros and cons, side by side

Fold Card (debit) and Fold Credit Card

What works

  • No annual fee on either the debit or the credit card
  • Credit card's 1.5% base Bitcoin-back rate is uncapped, unlike many competitors' capped tiers
  • Combining the Bitcoin-payment bonus and Boosted bonus can reach 4% on a meaningful chunk of monthly spend
  • No staking or token lockup required for any tier

What to watch

  • Restricted to US residents only, with no international availability on any Fold product
  • The debit card's spin-wheel mechanic makes real-world reward rates unpredictable purchase to purchase
  • The Boosted 2% bonus on the credit card applies only to the first $2,000 of monthly spend tied to specific qualifying activity
  • Fold+ debit subscription benefits are reportedly being restructured during 2026, creating uncertainty about which perks will persist

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 Fold Card (debit) and Fold Credit Card or Gnosis Pay Card (Gnosis Card) better?

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 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, Fold Card (debit) and Fold Credit Card or Gnosis Pay Card (Gnosis Card)?

Fold Card (debit) and Fold Credit Card: Fold Card (debit): 0.5% base Bitcoin back plus gamified spin-wheel bonuses. Fold Credit Card: 1.5% flat Bitcoin back, plus 0.5% for paying with Bitcoin and up to 2% more on the first $2,000/month of qualifying activity, for up to 4% combined.. 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 Fold Card (debit) and Fold Credit Card and Gnosis Pay Card (Gnosis Card)?

Both are issued in no country we track, on each issuer's own eligibility page. Fold Card (debit) and Fold Credit Card is issued in 1 countries we track and Gnosis Pay Card (Gnosis Card) in 36.

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

More comparisons

Every other head-to-head Fold Card (debit) and Fold Credit Card or Gnosis Pay Card (Gnosis Card) appears in.