Gnosis Pay Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Gnosis Pay Card 4.0/5 self_custodialvisa	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	€0	No annual fees for base tier
Issuance Fee	€30.23 (one-time, often waived through promotions/referrals)	See card_tiers - varies by tier and region
Rewards
Max Cashback	0% - 5% depending on tier and OG NFT status	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	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	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	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	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending