Gnosis Pay Card (Gnosis Card) vs KuCoin Card (KuCard)

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

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.

KuCoin Card (KuCard)2.7

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

Verdict: Gnosis Pay Card (Gnosis Card)

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
Gnosis Pay Card (Gnosis Card): 3.6
KuCoin Card (KuCard): 2.7

Gnosis Pay Card (Gnosis Card) and KuCoin Card (KuCard), 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.

Gnosis Pay Card (Gnosis Card) and KuCoin Card (KuCard) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Gnosis Pay Card (Gnosis Card)	KuCoin Card (KuCard)
Editorial rating	3.6 (favoured on this row)	2.7
Issuer	Gnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin America	KuCoin
Cashback	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.	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.
Top reward tier	4% (5% with OG NFT) (100 GNO held)	3% cashback (VIP 11-12)
Reward tiers	4	7
Fees	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.	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.
Countries issued in	36	1
Countries both are issued in	0	0
Last reviewed	2026-08-24	2026-08-25

Pros and cons, side by side

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

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

Frequently asked questions

Is Gnosis Pay Card (Gnosis Card) or KuCoin Card (KuCard) better?

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 2.7 for KuCoin Card (KuCard). 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, Gnosis Pay Card (Gnosis Card) or KuCoin Card (KuCard)?

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.. KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. 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 Gnosis Pay Card (Gnosis Card) and KuCoin Card (KuCard)?

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

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

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