Gnosis PayGnosis Pay
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Side-by-side card comparison
Gnosis Pay vs Gemini Credit: where the score gap comes from
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.
Information checked Sep 6, 202640 official sources reviewed
01 · Where the gap opens
Gnosis Pay is being discontinued
This comparison remains available for existing cardholders. Gnosis Pay is excluded from our recommendations during its wind-down. Review Rebind for the EUR migration route and check the other card's current eligibility independently.
OverallGnosis Pay77Gemini Credit69Higher score
CashbackGnosis Pay22Gemini Credit60Compare the details below
TravelGnosis Pay100Gemini Credit80Compare the details below
Funds controlGnosis Pay90Gemini Credit39Compare the details below
Lowest feesGnosis Pay87Gemini Credit45Compare the details below
TransfersGnosis Pay91Gemini Credit26Compare the details below
Gnosis Pay: existing-card reference
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.
- Excluded from new-card recommendations
- EUR migration route: Rebind
- Exact card shutdown day unannounced
Choose Gemini Credit Card if its day-to-day setup suits you
Gemini Credit Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No annual or foreign transaction fee
- A 1%-4% crypto reward schedule
- Metal card and three phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Gemini Credit69
Gnosis Pay has the higher Overall Score by 8 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% base · up to 5%Gemini 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 Credit0 stablecoins · Not modeled
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- 0%-5%
- 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
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsGnosis PayOverall77Gemini Credit CardOverall69
Gnosis PayOverall77Gemini Credit CardOverall69Scores
6 fields- Overall Score
- Gnosis Pay77Gemini Credit Card69
- Cashback score
- Gnosis Pay22Gemini Credit Card60
- Travel score
- Gnosis Pay100Gemini Credit Card80
- Funds control score
- Gnosis Pay90Gemini Credit Card39
- Lowest fees score
- Gnosis Pay87Gemini Credit Card45
- Transfers score
- Gnosis Pay91Gemini Credit Card26
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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Gemini 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 CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeGemini Credit CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANGemini Credit CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundGemini Credit CardNot disclosed
- Payout currencies
- Gnosis PayEUReGemini Credit CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Gemini Credit Card1%
- Max cashback
- Gnosis Pay5%Gemini Credit Card4%
- Reward currency
- Gnosis PayGNO cashbackGemini 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 PaySep 6, 2026Gemini Credit CardAug 30, 2026
04 · The verdict
Plan around the Gnosis Pay wind-down
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.
An Overall Score does not extend a card's service life. Existing users can review the recorded costs below, but new applicants should consider a live programme and confirm its country eligibility.
Read the Gnosis transition notice and our Rebind profile before migrating.
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'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 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 September 6, 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.