Gnosis PayGnosis Pay
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Side-by-side card comparison
Gnosis Pay vs Uphold US: 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 Oct 14, 202630 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 Pay77Uphold US70Higher score
CashbackGnosis Pay22Uphold US75Compare the details below
TravelGnosis Pay100Uphold US71Compare the details below
Funds controlGnosis Pay90Uphold US44Compare the details below
Lowest feesGnosis Pay87Uphold US56Compare the details below
TransfersGnosis Pay91Uphold US65Compare 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 Uphold Card US if its day-to-day setup suits you
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Uphold US70
Gnosis Pay has the higher Overall Score by 7 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXUphold US$0 plan · 0–1.5% FX
Gnosis Pay has the lower published FX fee (0% vs 0–1.5%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletUphold USCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + 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 outboundUphold US0 stablecoins · US bank withdrawal
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 PayOverall77Uphold Card USOverall70
Gnosis PayOverall77Uphold Card USOverall70Scores
6 fields- Overall Score
- Gnosis Pay77Uphold Card US70
- Cashback score
- Gnosis Pay22Uphold Card US75
- Travel score
- Gnosis Pay100Uphold Card US71
- Funds control score
- Gnosis Pay90Uphold Card US44
- Lowest fees score
- Gnosis Pay87Uphold Card US56
- Transfers score
- Gnosis Pay91Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Uphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Gnosis Pay$0Uphold Card US$0
- FX fee
- Gnosis Pay0%Uphold Card US0–1.5%
- Top-up fee
- Gnosis Pay0%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Gnosis Pay0%Uphold Card USNot disclosed
- ATM fee
- Gnosis Pay0–2%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Gnosis PayFree; available after the card application is acceptedUphold Card USFree on both plans
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Gnosis PayNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Gnosis PayNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Gnosis PayVisaUphold Card USVisa
- Card formats
- Gnosis PayVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableUphold Card USAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Gnosis PayWebUphold Card USiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Gnosis PayNot disclosedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainUphold Card USNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeUphold Card USNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundUphold Card USUS bank withdrawal
- Payout currencies
- Gnosis PayEUReUphold Card USUSD
Rewards
3 fields- Base cashback
- Gnosis Pay0%Uphold Card US2%
- Max cashback
- Gnosis Pay5%Uphold Card US4%
- Reward currency
- Gnosis PayGNO cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredUphold Card USNot offered
- How it works
- Gnosis PayNot offeredUphold Card USNot offered
- Separate deposit
- Gnosis PayNot offeredUphold Card USNot offered
- Use balance for spending
- Gnosis PayNot offeredUphold Card USNot offered
- Lock-up
- Gnosis PayNot offeredUphold Card USNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyUphold Card USCustodial
- Control until payment
- Gnosis PayYou keep controlUphold Card USProvider controls funds
- Card issuer
- Gnosis PayMonavateUphold Card USCross River Bank
- Card processing
- Gnosis PayPaymentologyUphold Card USNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Uphold Card USUphold HQ Inc.
- Bank transfers
- Gnosis PayMoneriumUphold Card USNot disclosed
- Identity verification
- Gnosis PaySumsubUphold Card USNot disclosed
- Programme operator
- Gnosis PayGnosis PayUphold Card USNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Uphold Card US13
- Last reviewed
- Gnosis PaySep 6, 2026Uphold Card USOct 14, 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
Uphold Card US
05 · Common questions
Gnosis Pay vs Uphold US FAQ
Is Gnosis Pay or Uphold US 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 Uphold US?
Gnosis Pay has the lower published FX fee (0% vs 0–1.5%). 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 Uphold US?
Uphold Card US 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 Uphold US differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.