Gnosis Pay Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Gnosis Pay Card 4.0/5 self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	€30.23 (one-time, often waived through promotions/referrals)	$0
Rewards
Max Cashback	0% - 5% depending on tier and OG NFT status	Up to 4% on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%), 3% on dining, 2% on groceries, 1% on all other purchases
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	No annual fee makes it accessible to most credit-qualified users Instant rewards provide immediate crypto exposure Wide selection of 50+ reward cryptocurrencies offers flexibility Metal card design with enhanced security features
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	Cannot be used for spending cryptocurrency directly Some users report transaction decline issues affecting reliability Limited to US residents only Caps on high-earning reward categories limit maximum benefits