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Gemini Credit Card vs Gnosis Pay

How Gemini Credit Card vs Gnosis Pay compare on our ratings, crypto card specs, funding, pros and cons.

Gemini Credit Card3.7/5
VS
Gnosis Pay2.5/5
Feature
Gemini Credit CardVisit
Gnosis PayVisit
Ratings
Our score3.7/52.5/5
User ratingNo reviews yetNo reviews yet
Fees4.54.5
Rewards & cashback3.51.0
Availability2.51.5
App & experience4.03.0
Trust & security4.02.5
Fees & features
Card typeCreditDebit
Card networkMastercardVisa
Card formatPhysical, VirtualVirtual, Physical
CustodyCustodialSelf-custodial
KYC required Yes Yes
Business card NoNot disclosed
Max cashback4%Not disclosed
Rewards paid inBitcoin or 50+ cryptocurrenciesNot disclosed
Staking needed for top rewards NoNot disclosed
Card issuance feeNot disclosedFree
Monthly feeFreeNot disclosed
Annual feeFreeFree
Foreign exchange fee0%0%
ATM withdrawalsNot disclosedConsumer card: up to 5 free withdrawals or 200 EURe/GBPe/USDCe per month, whichever comes first; 2% per additional withdrawal.
Available inUnited StatesEurope (EEA)
Spendable assetsBTC, SOL, XRPEURe, GBPe, USDC, USDCe, USDT
Top-up networksNot disclosedCelo, Gnosis Chain
Card currenciesUSDNot disclosed
Spend stablecoins No Yes
Apple PayNot disclosed Yes
Google PayNot disclosed Yes
Good forEveryday spending, Travel, Online shoppingNot disclosed
PerksMastercard World Elite, No foreign transaction fees, Instant rewards depositSponsored blockchain gas for consumer card purchases, Free consumer card delivery
Card issuerWebBankMonavate Limited
Referral program YesNot disclosed
Company
Founded20142023
HeadquartersUnited StatesGermany
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • No annual fee and zero foreign transaction fees
  • Up to 4% rewards paid in choice of over 50 cryptocurrencies
  • No token staking or balance lock-ups required for reward tiers
  • Rewards deposit automatically without manual claim steps
  • Spends EURe, GBPe and USDC directly from a self-custodial Safe account
  • Supports Apple Pay and Google Pay
  • Consumer card charges 0% FX markup, with Visa exchange rates applied
  • Blockchain gas for consumer card purchases is sponsored
Cons
  • Top 4% tier limited to $300 in monthly spend
  • Available only to United States residents with credit approval
  • Custodial reward payout requires holding assets on Gemini
  • Revolving credit model subject to standard interest rates on balances
  • Direct consumer card and web app close December 20, 2026
  • Legacy GNO cashback program ended September 30, 2026
  • June 1, 2026 module exploit affected card Safes; affected funds were restored in July
  • Registration requires Sumsub identity verification and residence eligibility checks
Best forUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekersWallets launching branded Visa cards, Fintechs integrating self-custodial stablecoin payments, Existing cardholders spending before closure

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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