Skip to content

Compare cards

Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
Compare two cards at a time. Add up to four with Change cards, then use the card menus to switch the pair.
Gnosis Pay black Visa card front
Gnosis Pay

Gnosis Pay

–Not ranked

Best fit

  • Existing cardholders spending their Card Safe balance during wind-down.
  • Existing users paying abroad with no added Gnosis Pay FX markup.

Before you choose

  • Consumer cards stop December 20, 2026, at 23:59 UTC; withdrawals remain open.
  • GNO cashback ended September 30, 2026; new card signups are closed.
Read review
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
Gnosis Pay: Not ranked
MPChat Card: 52
Cashback score
Gnosis Pay: Not ranked
MPChat Card: 18
Travel score
Gnosis Pay: Not ranked
MPChat Card: 72
Funds control score
Gnosis Pay: Not ranked
MPChat Card: 41
Lowest fees score
Gnosis Pay: Not ranked
MPChat Card: 60
Transfers score
Gnosis Pay: Not ranked
MPChat Card: 58
02

Costs

Plan cost
Gnosis Pay: $0
MPChat Card: $0
FX fee
Gnosis Pay: 0%
MPChat Card: 0%
Top-up fee
Gnosis Pay: 0%
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Card spending fee
Gnosis Pay: 0%
MPChat Card: 0.8%
ATM fee
Gnosis Pay: 5 free withdrawals/mo or 200 EURe/GBPe/USDCe; then 2%
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Virtual card
Gnosis Pay: Free; available after the card application is accepted
MPChat Card: Cloud: 10 USDT one time
Physical card
Gnosis Pay: 30.23 EURe
MPChat Card: $100
Asset conversion fee
Gnosis Pay: 0%
MPChat Card: Not disclosed
03

Plans & rewards

Entry plan
Gnosis Pay: 0 GNO
MPChat Card: Cloud Card
Base cashback
Gnosis Pay: 0%
MPChat Card: Not disclosed
Max cashback
Gnosis Pay: 5% (promotion)
MPChat Card: Not disclosed
Reward currency
Gnosis Pay: GNO
MPChat Card: Not disclosed
Cashback cap · entry plan
Gnosis Pay: Not disclosed
MPChat Card: Not disclosed
Top cashback plan
Gnosis Pay: 100 GNO
MPChat Card: Not disclosed
Cashback on top plan
Gnosis Pay: 4%
MPChat Card: Not disclosed
Top plan price / access
Gnosis Pay: 100 GNO · minimum held
MPChat Card: Not disclosed
Reward payout
Gnosis Pay: Following Thursday
MPChat Card: Not disclosed
Programme opt-in
Gnosis Pay: Required
MPChat Card: Not disclosed
Programme end date
Gnosis Pay: Sep 30, 2026
MPChat Card: Not disclosed
04

Everyday use

Network
Gnosis Pay: Visa
MPChat Card: Visa
Card formats
Gnosis Pay: Virtual, Physical
MPChat Card: Virtual, Physical
ATM withdrawals
Gnosis Pay: Available
MPChat Card: Available
Mobile wallets
Gnosis Pay: Apple Pay, Google Pay
MPChat Card: Google Pay
Apps
Gnosis Pay: Web
MPChat Card: Not disclosed
Daily spending limit
Gnosis Pay: 8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transaction
MPChat Card: $250,000 / day
Monthly spending limit
Gnosis Pay: Unknown
MPChat Card: $1,000,000 / month
ATM limit
Gnosis Pay: 250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/day
MPChat Card: $1,500 / day
05

Money in & out

Networks
Gnosis Pay: Gnosis Chain
MPChat Card: Tron (TRC20)
Stablecoin deposits
Gnosis Pay: EURe, GBPe, USDCe
MPChat Card: USDT
Other crypto deposits
Gnosis Pay: Not disclosed
MPChat Card: Not disclosed
Fiat deposits
Gnosis Pay: Receive-only SEPA IBAN
MPChat Card: Not disclosed
Crypto transfers
Gnosis Pay: Safe-linked card spending
MPChat Card: External USDT withdrawal
Internal transfers
Gnosis Pay: Not disclosed
MPChat Card: Not disclosed
Bank transfers
Gnosis Pay: IBAN outbound
MPChat Card: Not disclosed
Payout currencies
Gnosis Pay: EURe
MPChat Card: Not disclosed
06

Earn

Advertised APY
Gnosis Pay: Not offered
MPChat Card: Not offered
How it works
Gnosis Pay: Not offered
MPChat Card: Not offered
Separate deposit
Gnosis Pay: Not offered
MPChat Card: Not offered
Use balance for spending
Gnosis Pay: Not offered
MPChat Card: Not offered
Lock-up
Gnosis Pay: Not offered
MPChat Card: Not offered
07

Trust & sources

Custody
Gnosis Pay: Self-custody
MPChat Card: Custodial
Control until payment
Gnosis Pay: You keep control
MPChat Card: Provider controls funds
Card issuer
Gnosis Pay: Monavate
MPChat Card: Not disclosed
Card processing
Gnosis Pay: Paymentology
MPChat Card: Not disclosed
Custody / key management
Gnosis Pay: Safe{Wallet}
MPChat Card: Not disclosed
Bank transfers
Gnosis Pay: Monerium
MPChat Card: Not disclosed
Identity verification
Gnosis Pay: Sumsub
MPChat Card: Not disclosed
Programme operator
Gnosis Pay: Gnosis Pay
MPChat Card: Not disclosed
Official sources
Gnosis Pay: 17
MPChat Card: 30
Last reviewed
Gnosis Pay: Nov 12, 2026
MPChat Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

More ways to find a card

Explore card rankings