PAYY Card vs Gnosis Pay Card

Side-by-side comparison of 2 crypto debit cards

	PAYY Card 4.0/5 self_custodialvisa	Gnosis Pay Card 4.0/5 self_custodialvisa
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	€0
Issuance Fee	Free (virtual and physical)	€30.23 (one-time, often waived through promotions/referrals)
Rewards
Max Cashback	None - no traditional cashback rewards	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	Zero monthly fees and zero transaction fees for purchases Privacy-preserving architecture shields transaction details from public view Self-custodial model gives users complete control over funds Global availability wherever Apple/Google app stores are accessible	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	No cashback or traditional rewards program Physical card limited to contactless payments only (no chip/magstripe) Restricted to USDC stablecoin for card spending Self-custody requires managing recovery phrases (potential complexity for some users)	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