No FXSelf-custody
- Cashback
- 0%-5%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
0% direct-pair FXSelf-custody
- Cashback
- 1%-8%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
66
Self-custodyUS available
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
Non-custodialMetal card
- Cashback
- 3%
- Plan cost
- $0
- Custody
- Non Custodial
- Network
- Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Gnosis PayOverall77
Coca CardOverall70
Exa CardOverall66
ether.fi Cash CardOverall87
Gnosis PayOverall77Coca CardOverall70Exa CardOverall66ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Gnosis Pay77Coca Card70Exa Card66ether.fi Cash Card87
- Cashback score
- Gnosis Pay22Coca Card43Exa Card19ether.fi Cash Card86
- Travel score
- Gnosis Pay100Coca Card82Exa Card61ether.fi Cash Card84
- Funds control score
- Gnosis Pay89Coca Card85Exa Card88ether.fi Cash Card96
- Lowest fees score
- Gnosis Pay87Coca Card63Exa Card67ether.fi Cash Card69
- Transfers score
- Gnosis Pay91Coca Card87Exa Card97ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet accessExa CardDeposited assets can earn yield, Spend balance or borrow USDCether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowanceExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Gnosis Pay$0Coca Card$0Exa Card$0ether.fi Cash Card$0
- FX fee
- Gnosis Pay0%Coca Card0% on direct pairsExa Card1.5%ether.fi Cash Card0–0.2%
- Top-up fee
- Gnosis Pay0%Coca CardNot disclosedExa Card1%ether.fi Cash CardNot disclosed
- Card spending fee
- Gnosis Pay0%Coca CardNot disclosedExa CardNot disclosedether.fi Cash CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Coca Card0–2%Exa Card$1 + 0.65%ether.fi Cash Card2%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCoca CardVirtual card free for all tiersExa CardFree with Exa Walletether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/EliteExa CardNot availableether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Gnosis PayNot disclosedCoca Card6 plans: Starter, Standard, Standard+, Premium +2Exa CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Gnosis PayNot disclosedCoca CardElite: 8%Exa CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Gnosis PayVisaCoca CardVisaExa CardVisaether.fi Cash CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalCoca CardVirtual, PhysicalExa CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableCoca CardAvailableExa CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayCoca CardApple Pay, Google PayExa CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Gnosis PayWebCoca CardiOS, AndroidExa CardiOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCoca Card30,000 EUR/day; 30,000 EUR/transactionExa CardDynamic / collateral-based; exact Exa App limit shown in appether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Gnosis PayNot disclosedCoca Card30,000 EUR/monthExa CardDynamic / collateral-based; exact Exa App limit shown in appether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCoca Card850 EUR/day; 5,000 EUR/monthExa Card$250/withdrawal; $1000/dayether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5Exa CardOptimismether.fi Cash CardOptimism
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCoca CardStablecoins: USDT, USDC, EURC, EURSExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCoca CardEUR IBAN receiveExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCoca CardStablecoin transfers; IBAN / bank transfersExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Gnosis PayEUReCoca CardEUR, USD where availableExa CardUSD, EURether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Gnosis Pay0%Coca Card1%Exa Card0%ether.fi Cash Card3%
- Max cashback
- Gnosis Pay5%Coca Card8%Exa Card0%ether.fi Cash Card3%
- Reward currency
- Gnosis PayGNO cashbackCoca CardStablecoins such as USDC or EURC cashbackExa CardNo cashbackether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredCoca CardUp to 5% APYExa CardUp to 0.99776% APYether.fi Cash CardUp to 5.02% APY
- How it works
- Gnosis PayNot offeredCoca CardEarn on spending balanceExa CardEarn on spending balance, Borrow against collateralether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Gnosis PayNot offeredCoca CardNoExa CardNoether.fi Cash CardNot disclosed
- Use balance for spending
- Gnosis PayNot offeredCoca CardYesExa CardYesether.fi Cash CardNot disclosed
- Lock-up
- Gnosis PayNot offeredCoca CardNoExa CardNoether.fi Cash CardNot disclosed
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyCoca CardSelf-custodyExa CardSelf-custodyether.fi Cash CardNon-custodial
- Control until payment
- Gnosis PayYou keep controlCoca CardYou keep controlExa CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Gnosis PayMonavateCoca CardNot disclosedExa CardThird National Bank, Third Nationalether.fi Cash CardThird National
- Card processing
- Gnosis PayPaymentologyCoca CardNot disclosedExa CardExa Labs SASether.fi Cash CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Coca CardNot disclosedExa CardNot disclosedether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedCoca CardNot disclosedExa CardBridge, Mantecaether.fi Cash CardSEPA third-party provider
- Bank transfers
- Gnosis PayMoneriumCoca CardNot disclosedExa CardNot disclosedether.fi Cash CardNot disclosed
- Identity verification
- Gnosis PaySumsubCoca CardNot disclosedExa CardNot disclosedether.fi Cash CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCoca CardCOCA / CCA LABSExa CardExa Labs SASether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Gnosis Pay17Coca Card12Exa Card31ether.fi Cash Card19
- Last reviewed
- Gnosis PayAug 6, 2026Coca CardAug 5, 2026Exa CardAug 23, 2026ether.fi Cash CardAug 25, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.