Gnosis PayGnosis Pay
76
Side-by-side card comparison
Gnosis Pay vs Gemini Credit: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 2 points (76 vs 74). Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while Gemini Credit Card comes out ahead for Cashback and Transfers.
Information checked Aug 31, 202640 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Gemini Credit Card may be the better fit for Cashback and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallGnosis Pay76Gemini Credit74Higher score
CashbackGnosis Pay25Gemini Credit61Higher score
TravelGnosis Pay100Gemini Credit82Higher score
Funds controlGnosis Pay89Gemini Credit57Higher score
Lowest feesGnosis Pay87Gemini Credit45Higher score
TransfersGnosis Pay91Gemini Credit92Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend stablecoins from a dedicated Safe
- SEPA IBAN funding fits euro users
- Visa card with wallet support
Choose Gemini Credit Card if cashback and transfers matter most
Gemini Credit Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No annual or foreign transaction fee
- A 1%-4% crypto reward schedule
- Metal card and three phone wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Gnosis Pay76Gemini Credit74
Gnosis Pay has the higher Overall Score by 2 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXGemini Credit$0 plan · $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gnosis Pay0% cashbackGemini Credit1% base · up to 4%
Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletGemini CreditCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Gemini Credit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayGemini CreditVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundGemini Credit4 stablecoins · Stablecoin transfers; Gemini USD bank transfer
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 1%-4%
- Plan cost
- $0
- FX fee
- $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- ATM fee
- 3–29.49%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsGnosis PayOverall76Gemini Credit CardOverall74
Gnosis PayOverall76Gemini Credit CardOverall74Scores
6 fields- Overall Score
- Gnosis Pay76Gemini Credit Card74
- Cashback score
- Gnosis Pay25Gemini Credit Card61
- Travel score
- Gnosis Pay100Gemini Credit Card82
- Funds control score
- Gnosis Pay89Gemini Credit Card57
- Lowest fees score
- Gnosis Pay87Gemini Credit Card45
- Transfers score
- Gnosis Pay91Gemini Credit Card92
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersGemini Credit CardNo annual or foreign transaction fee, A 1%-4% crypto reward schedule
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, The GNO cashback programme has endedGemini Credit CardVariable APR and costly cash advances, Applications are limited to the United States
Costs
7 fields- Plan cost
- Gnosis Pay$0Gemini Credit Card$0
- FX fee
- Gnosis Pay0%Gemini Credit Card$0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
- Top-up fee
- Gnosis Pay0%Gemini Credit CardNot applicable; linked-bank and check routes repay the credit account
- Card spending fee
- Gnosis Pay0%Gemini Credit Card0%
- ATM fee
- Gnosis Pay0–2%Gemini Credit Card3–29.49%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedGemini Credit CardNot disclosed
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeGemini Credit CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedGemini Credit CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedGemini Credit CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaGemini Credit CardMastercard
- Card formats
- Gnosis PayVirtual, PhysicalGemini Credit CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableGemini Credit CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayGemini Credit CardApple Pay, Google Pay
- Apps
- Gnosis PayWebGemini Credit CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionGemini Credit CardApplicant-specific credit limit; no reusable daily purchase limit is published
- Monthly spending limit
- Gnosis PayNot disclosedGemini Credit CardApplicant-specific credit limit; no reusable monthly purchase limit is published
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayGemini Credit Card$1,000 daily and no more than 10% of the total credit limit
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainGemini Credit CardBitcoin, Ethereum, Solana, Arbitrum, Avalanche, Base +2
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeGemini Credit CardOther crypto: Supported Gemini crypto and stablecoins
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANGemini Credit CardUSD bank transfer
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundGemini Credit CardStablecoin transfers; Gemini USD bank transfer
- Payout currencies
- Gnosis PayEUReGemini Credit CardUSD
Rewards
3 fields- Base cashback
- Gnosis Pay0%Gemini Credit Card1%
- Max cashback
- Gnosis Pay0%Gemini Credit Card4%
- Reward currency
- Gnosis PayNot applicableGemini Credit CardSelected eligible crypto asset
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredGemini Credit CardUp to 2.1% APY
- How it works
- Gnosis PayNot offeredGemini Credit CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredGemini Credit CardNo
- Use balance for spending
- Gnosis PayNot offeredGemini Credit CardNo
- Lock-up
- Gnosis PayNot offeredGemini Credit CardNot disclosed
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyGemini Credit CardCustodial
- Control until payment
- Gnosis PayYou keep controlGemini Credit CardProvider controls funds
- Card issuer
- Gnosis PayMonavateGemini Credit CardWebBank
- Card processing
- Gnosis PayPaymentologyGemini Credit CardGemini Constellation, LLC
- Custody / key management
- Gnosis PaySafe{Wallet}Gemini Credit CardGemini Trust Company, LLC / Gemini Moonbase, LLC
- Bank transfers
- Gnosis PayMoneriumGemini Credit CardNot disclosed
- Identity verification
- Gnosis PaySumsubGemini Credit CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayGemini Credit CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Gemini Credit Card23
- Last reviewed
- Gnosis PayAug 31, 2026Gemini Credit CardAug 30, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 76 versus 74 for Gemini Credit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Gemini Credit Card has the higher published base cashback rate (1% vs 0%).
Gemini Credit Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay uses a self-controlled wallet setup, while Gemini Credit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Gemini Credit Card lists more stablecoins and ways to send money out (6 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gnosis Pay and Gemini Credit Card reviews first.
Continue with
Gnosis Pay
Continue with
Gemini Credit Card
05 · Common questions
Gnosis Pay vs Gemini Credit FAQ
Is Gnosis Pay or Gemini Credit better overall?
Gnosis Pay has the higher Overall Score (76 vs 74). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Gnosis Pay or Gemini Credit?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Gemini Credit?
Gemini Credit Card has the higher published base cashback rate (1% 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 Gemini Credit differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Gemini Credit 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 Gemini Credit comparison?
The latest information check for these two cards was August 31, 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.