MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Gnosis Pay: 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, 202629 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.
OverallMetaMask76Gnosis Pay77Higher score
CashbackMetaMask49Gnosis Pay22Compare the details below
TravelMetaMask91Gnosis Pay100Compare the details below
Funds controlMetaMask87Gnosis Pay90Compare the details below
Lowest feesMetaMask82Gnosis Pay87Compare the details below
TransfersMetaMask59Gnosis Pay91Compare the details below
Choose MetaMask Card if its day-to-day setup suits you
MetaMask 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.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
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
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
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
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 Pay90
- 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026
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 PaySep 6, 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
MetaMask Card
Continue with
Gnosis Pay
05 · Common questions
MetaMask vs Gnosis Pay FAQ
Is MetaMask or Gnosis Pay 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, 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 September 6, 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.