Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Coinbase One
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Scores below describe the reviewed card terms, not availability for a new application.
Latest check Oct 11, 202640 official sources reviewed
Gnosis Pay
Best fit
- Existing cardholders spending their Card Safe balance during wind-down.
- Existing users paying abroad with no added Gnosis Pay FX markup.
- EUR users moving to Rebind through the available migration route.
Before you choose
- Consumer cards close by end-2026; the exact closing date is unannounced.
- GNO cashback ended September 30, 2026; new card signups are closed.
- A matching GBP migration on Gnosis Chain is not currently available.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsGnosis PayOverall77Coinbase One CardOverall56
Gnosis PayOverall77Coinbase One CardOverall56Scores
- Overall Score
- Gnosis Pay77Coinbase One Card56
- Cashback score
- Gnosis Pay22Coinbase One Card40
- Travel score
- Gnosis Pay100Coinbase One Card60
- Funds control score
- Gnosis Pay90Coinbase One Card36
- Lowest fees score
- Gnosis Pay87Coinbase One Card40
- Transfers score
- Gnosis Pay91Coinbase One Card24
Costs
- Plan cost
- Gnosis Pay$0Coinbase One Card$49.99/year
- FX fee
- Gnosis Pay0%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Gnosis Pay0%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Gnosis Pay0%Coinbase One CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCoinbase One CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCoinbase One CardNot disclosed
Plans
- Available plans
- Gnosis PayNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Gnosis PayNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Gnosis PayVisaCoinbase One CardAmerican Express
- Card formats
- Gnosis PayVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Gnosis PayWebCoinbase One CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Gnosis PayNot disclosedCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Gnosis PayGnosis ChainCoinbase One CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCoinbase One CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCoinbase One CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCoinbase One CardNot disclosed
- Payout currencies
- Gnosis PayEUReCoinbase One CardNot disclosed
Rewards
- Base cashback
- Gnosis Pay0%Coinbase One Card2%
- Max cashback
- Gnosis Pay5%Coinbase One Card4%
- Reward currency
- Gnosis PayGNO cashbackCoinbase One CardBitcoin
Earn
- Advertised APY
- Gnosis PayNot offeredCoinbase One CardNot disclosed
- How it works
- Gnosis PayNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Gnosis PayNot offeredCoinbase One CardNo
- Use balance for spending
- Gnosis PayNot offeredCoinbase One CardNo
- Lock-up
- Gnosis PayNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Gnosis PaySelf-custodyCoinbase One CardCustodial
- Control until payment
- Gnosis PayYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Gnosis PayMonavateCoinbase One CardFirst Electronic Bank
- Card processing
- Gnosis PayPaymentologyCoinbase One CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Coinbase One CardCoinbase, Inc.
- Bank transfers
- Gnosis PayMoneriumCoinbase One CardNot disclosed
- Identity verification
- Gnosis PaySumsubCoinbase One CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCoinbase One CardNot disclosed
Sources
- Official sources
- Gnosis Pay17Coinbase One Card23
- Last reviewed
- Gnosis PaySep 6, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Gnosis Pay or Coinbase One
Applying or migrating
Gnosis Pay is winding down and is excluded from new-card recommendations. Review Rebind for the EUR migration route and check the other card's current eligibility independently.
Keeping control of your funds
Gnosis Pay suits spending while retaining control of your funds until payment. With Coinbase One, control passes to the provider before the purchase.
Keeping recurring costs down
Gnosis Pay's base plan is $0, compared with $49.99/year for Coinbase One. These are the reviewed recurring charges, not confirmation that new applications are open.
Common questions
Gnosis Pay vs Coinbase One FAQ
Is Gnosis Pay or Coinbase One better overall?
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Gnosis Pay is not a current recommendation, regardless of its numerical score.
Which has lower fees, Gnosis Pay or Coinbase One?
Gnosis Pay has the lower starting plan cost ($0 vs $49.99/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gnosis Pay or Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gnosis Pay and Coinbase One differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.