Skip to content
buybitcoinsmart
Menu

Gnosis Pay Card (Gnosis Card) vs Nexo Card

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

Nexo Card3.3

Nexo Card is a dual debit/credit Mastercard for European Economic Area residents that pays up to 2% crypto cashback in Credit Mode without needing to sell your crypto.

Verdict: Gnosis Pay Card (Gnosis Card)

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.3 for Nexo Card.

Criterion
Editorial rating
Gnosis Pay Card (Gnosis Card)
3.6
Nexo Card
3.3

Gnosis Pay Card (Gnosis Card) and Nexo 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.

Gnosis Pay Card (Gnosis Card) and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactGnosis Pay Card (Gnosis Card)Nexo Card
Editorial rating3.6 (favoured on this row)3.3
IssuerGnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin AmericaNexo
Cashback1% 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.Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.
Top reward tier4% (5% with OG NFT) (100 GNO held)2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers44
Fees0% on card transactions, FX, and gas; free ATM withdrawals up to 5 per month or €200 (whichever comes first), then 2% per additional withdrawal.No monthly, annual, or inactivity fee; free ATM withdrawals scale with Loyalty Tier from €200 to €2,000/month, and foreign transaction fees range from 0.2% (EEA/UK/CH weekday) to 2.5% (rest of world weekend).
Countries issued in3630
Countries both are issued in3030
Last reviewed2026-08-242026-08-24

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

Nexo Card

What works

  • Credit Mode lets you spend without selling your crypto, retaining upside exposure
  • No monthly, annual, or inactivity card fee
  • Unspent balance earns daily-compounding interest up to roughly 13% per year
  • Free ATM allowance scales meaningfully with Loyalty Tier, up to €2,000/month at Platinum

What to watch

  • Cashback only applies in Credit Mode, not when spending directly from crypto in Debit Mode
  • Requires a $5,000+ digital asset balance just to join the Loyalty Program and start earning cashback
  • Foreign transaction fees outside the EEA/UK/Switzerland run 2-2.5%, notably higher than the 0.2-0.7% domestic-region rate
  • A physical card requires at least Gold Loyalty Tier status, a higher bar than the virtual card's $50 minimum

Frequently asked questions

Is Gnosis Pay Card (Gnosis Card) or Nexo Card better?

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.3 for Nexo 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, Gnosis Pay Card (Gnosis Card) or Nexo Card?

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.. Nexo Card: Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.. 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 Nexo Card?

Both are issued in 30 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Gnosis Pay Card (Gnosis Card) is issued in 36 countries we track and Nexo Card in 30.

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

More comparisons

Every other head-to-head Gnosis Pay Card (Gnosis Card) or Nexo Card appears in.