Ether.Fi Cash Card vs Gnosis Pay Card

Side-by-side comparison of 2 crypto debit cards

	Ether.Fi Cash Card 4.5/5 self_custodialvisa	Gnosis Pay Card 4.0/5 self_custodialvisa
Rating
Overall	4.5/5	4.0/5
Fees
Monthly Fee	Free (all tiers)	€0
Issuance Fee	See card_tiers	€30.23 (one-time, often waived through promotions/referrals)
Rewards
Max Cashback	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend	0% - 5% depending on tier and OG NFT status
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it	True self-custody model preserves control of private keys and assets Zero-fee structure for normal usage (no transaction, FX, or off-ramping fees) Generous cashback program offering up to 5% in GNO tokens with weekly payouts Seamless integration with traditional payment rails and Visa acceptance
Cons	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending	Limited cryptocurrency support (only EURe, GBPe, and USDCe stablecoins) Currently available only in Europe, UK, Argentina, and Brazil Cannot be used for car rentals, automated fuel pumps, gambling, and certain other merchant categories Initial setup and fund bridging has a learning curve for crypto newcomers