MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Gnosis Pay: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 1 point (77 vs 76). MetaMask Card looks stronger for Cashback, while Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 12, 202629 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. MetaMask Card may be the better fit for Cashback. 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.
OverallMetaMask76Gnosis Pay77Higher score
CashbackMetaMask49Gnosis Pay22Higher score
TravelMetaMask91Gnosis Pay100Higher score
Funds controlMetaMask87Gnosis Pay89Higher score
Lowest feesMetaMask82Gnosis Pay87Higher score
TransfersMetaMask59Gnosis Pay91Higher score
Choose MetaMask Card if cashback matters most
MetaMask Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers 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
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
- MetaMask76Gnosis Pay77
Gnosis Pay has the higher Overall Score by 1 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXGnosis Pay$0 plan · 0% FX
Gnosis Pay has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- MetaMask1% base · up to 3%Gnosis Pay0% base · up to 5%
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletGnosis PaySelf-controlled wallet
MetaMask Card and Gnosis Pay use the same self-controlled wallet setup.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayGnosis PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersGnosis Pay3 stablecoins · Stablecoin transfers; IBAN outbound
MetaMask Card lists more stablecoins and ways to send money out (5 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
- 1%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- 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
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
CardsMetaMask CardOverall76Gnosis PayOverall77
MetaMask CardOverall76Gnosis PayOverall77Scores
6 fields- Overall Score
- MetaMask Card76Gnosis Pay77
- Cashback score
- MetaMask Card49Gnosis Pay22
- Travel score
- MetaMask Card91Gnosis Pay100
- Funds control score
- MetaMask Card87Gnosis Pay89
- Lowest fees score
- MetaMask Card82Gnosis Pay87
- Transfers score
- MetaMask Card59Gnosis Pay91
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelGnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro users
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackGnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rules
Costs
7 fields- Plan cost
- MetaMask Card$0Gnosis Pay$0
- FX fee
- MetaMask Card0–1%Gnosis Pay0%
- Top-up fee
- MetaMask Card0%Gnosis Pay0%
- Card spending fee
- MetaMask CardNot disclosedGnosis Pay0%
- ATM fee
- MetaMask Card0–2%Gnosis Pay0–2%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierGnosis PayFree; available after the card application is accepted
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Gnosis Pay30.23 EURe one-time; shipping free
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalGnosis PayNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Gnosis PayNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardGnosis PayVisa
- Card formats
- MetaMask CardVirtual, PhysicalGnosis PayVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableGnosis PayAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayGnosis PayApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebGnosis PayWeb
- Daily spending limit
- MetaMask CardNot disclosedGnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transaction
- Monthly spending limit
- MetaMask CardNot disclosedGnosis PayNot disclosed
- ATM limit
- MetaMask CardLimits shown in appGnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/day
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadGnosis PayGnosis Chain
- Crypto deposits
- MetaMask CardNot disclosedGnosis PayStablecoins: EURe, GBPe, USDCe
- Fiat deposits
- MetaMask CardNot disclosedGnosis PayReceive-only SEPA IBAN
- Transfers
- MetaMask CardStablecoin transfersGnosis PayStablecoin transfers; IBAN outbound
- Payout currencies
- MetaMask CardNot disclosedGnosis PayEURe
Rewards
3 fields- Base cashback
- MetaMask Card1%Gnosis Pay0%
- Max cashback
- MetaMask Card3%Gnosis Pay5%
- Reward currency
- MetaMask CardmUSD cashbackGnosis PayGNO cashback
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYGnosis PayNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultGnosis PayNot offered
- Separate deposit
- MetaMask CardYesGnosis PayNot offered
- Use balance for spending
- MetaMask CardYesGnosis PayNot offered
- Lock-up
- MetaMask CardNoGnosis PayNot offered
Trust & availability
8 fields- Custody
- MetaMask CardSelf-custodyGnosis PaySelf-custody
- Control until payment
- MetaMask CardYou keep controlGnosis PayYou keep control
- Card issuer
- MetaMask CardCross River BankGnosis PayMonavate
- Card processing
- MetaMask CardNot disclosedGnosis PayPaymentology
- Custody / key management
- MetaMask CardNot disclosedGnosis PaySafe{Wallet}
- Bank transfers
- MetaMask CardNot disclosedGnosis PayMonerium
- Identity verification
- MetaMask CardCrypto LifeGnosis PaySumsub
- Programme operator
- MetaMask CardNot disclosedGnosis PayGnosis Pay
Sources
2 fields- Official sources
- MetaMask Card12Gnosis Pay17
- Last reviewed
- MetaMask CardAug 12, 2026Gnosis PayAug 6, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 76 for MetaMask Card. Gnosis Pay has the lower published FX fee (0% vs 0–1%). MetaMask Card has the higher published base cashback rate (1% vs 0%).
MetaMask Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card and Gnosis Pay use the same self-controlled wallet setup.
MetaMask Card lists more stablecoins and ways to send money out (5 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 MetaMask Card and Gnosis Pay reviews first.
Continue with
MetaMask Card
Continue with
Gnosis Pay
05 · Common questions
MetaMask vs Gnosis Pay FAQ
Is MetaMask or Gnosis Pay better overall?
Gnosis Pay has the higher Overall Score (77 vs 76). 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, MetaMask or Gnosis Pay?
Gnosis Pay has the lower published FX fee (0% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MetaMask or Gnosis Pay?
MetaMask 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 MetaMask and Gnosis Pay differ on custody?
MetaMask Card and Gnosis Pay use the same self-controlled wallet setup.
How current is this MetaMask vs Gnosis Pay comparison?
The latest information check for these two cards was August 12, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.