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Gemini Credit Card vs Gnosis Pay Card (Gnosis Card)

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Gemini Credit Card4.2

Gemini Credit Card is a US-only Mastercard World Elite credit card with no annual fee that pays up to 4% back in your choice of over 50 cryptocurrencies on gas, EV charging, and transit.

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: Gemini Credit Card

Gemini Credit Card rates higher on our rubric: 4.2 against 3.6 for Gnosis Pay Card (Gnosis Card).

Criterion
Editorial rating
Gemini Credit Card
4.2
Gnosis Pay Card (Gnosis Card)
3.6

Gemini 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.

Gemini Credit Card and Gnosis Pay Card (Gnosis Card) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactGemini Credit CardGnosis Pay Card (Gnosis Card)
Editorial rating4.2 (favoured on this row)3.6
IssuerGemini (issued by WebBank)Gnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America
Cashback4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.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% back (All other purchases)4% (5% with OG NFT) (100 GNO held)
Reward tiers44
Fees$0 annual fee and $0 foreign transaction fee, confirmed on Gemini's own page; variable purchase APR of roughly 16.49% to 34.49%, a cash advance fee of the greater of $10 or 3%, and late/returned payment fees up to $35-$41.0% 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 in236
Countries both are issued in00
Last reviewed2026-08-252026-08-24

Pros and cons, side by side

Gemini Credit Card

What works

  • No annual fee and no foreign transaction fee, confirmed directly by the issuer
  • Rewards can be chosen from over 50 cryptocurrencies and are credited instantly with no exchange fee
  • Dining (3%) and groceries (2%) rewards are uncapped, unlike the 4% category
  • Four co-branded editions (Standard, Bitcoin, Solana, XRP) let cardholders default rewards to a preferred asset, with Solana auto-staking for extra yield

What to watch

  • The headline 4% category caps at just $300 of combined monthly spend, dropping to 1% immediately after
  • Available only to US residents in the 50 states plus Puerto Rico, with no international rollout
  • Variable purchase APR can run as high as roughly 34.49% for lower-credit applicants
  • Grocery rewards exclude several major retailers (Costco, Sam's Club, Walmart) based on merchant category code

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 Gemini Credit Card or Gnosis Pay Card (Gnosis Card) better?

Gemini Credit Card rates higher on our rubric: 4.2 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, Gemini Credit Card or Gnosis Pay Card (Gnosis Card)?

Gemini Credit Card: 4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.. 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 Gemini Credit Card and Gnosis Pay Card (Gnosis Card)?

Both are issued in no country we track, on each issuer's own eligibility page. Gemini Credit Card is issued in 2 countries we track and Gnosis Pay Card (Gnosis Card) in 36.

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

More comparisons

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