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Gnosis Pay Card (Gnosis Card) vs Wirex 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.

Wirex Card3.0

Wirex Card is a multi-region Visa/Mastercard debit card offering 0.5% to 8% Cryptoback rewards in WXT, with the top rate gated behind a paid plan and a 7.5 million WXT lockup.

Verdict: Gnosis Pay Card (Gnosis Card)

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.0 for Wirex Card.

Criterion
Editorial rating
Gnosis Pay Card (Gnosis Card)
3.6
Wirex Card
3.0

Gnosis Pay Card (Gnosis Card) and Wirex 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 Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactGnosis Pay Card (Gnosis Card)Wirex Card
Editorial rating3.6 (favoured on this row)3.0
IssuerGnosis Pay Co Ltd (UK-registered) / Monavate (card issuer, UK); Gnosis Pay S.A. for Latin AmericaWirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
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.Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Top reward tier4% (5% with OG NFT) (100 GNO held)8% Cryptoback (Elite Ultimate)
Reward tiers48
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.0% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Countries issued in3635
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

Wirex Card

What works

  • No issuance fee for virtual or physical cards on any tier
  • 0% advertised FX markup on fiat card spending across all subscription tiers
  • Free Standard tier still earns 0.5% Cryptoback with no subscription required
  • Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

  • The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
  • Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
  • Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
  • An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Frequently asked questions

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

Gnosis Pay Card (Gnosis Card) rates higher on our rubric: 3.6 against 3.0 for Wirex 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 Wirex 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.. Wirex Card: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.. 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 Wirex Card?

Both are issued in 30 countries, including Argentina, Austria, Belgium, Brazil, Bulgaria, on each issuer's own eligibility page. Gnosis Pay Card (Gnosis Card) is issued in 36 countries we track and Wirex Card in 35.

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

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