Provider comparison
BitPay Card vs Gnosis Pay Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
Effective rewards
BitPay Card
Gnosis Pay Card
Reward asset
BitPay Card
Gnosis Pay Card
Staking tier
BitPay Card
Gnosis Pay Card
Custody
BitPay Card
Gnosis Pay Card
Annual fee
BitPay Card
Gnosis Pay Card
FX fee
BitPay Card
Gnosis Pay Card
ATM fee
BitPay Card
Gnosis Pay Card
Conversion spread
BitPay Card
Gnosis Pay Card
Network
BitPay Card
Gnosis Pay Card
Apple / Google Pay
BitPay Card
Gnosis Pay Card
Region availability
BitPay Card
Gnosis Pay Card
| Feature | BitPay Card | Gnosis Pay Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) |
| Reward asset | None (occasional promos) | GNO |
| Staking tier | GNO held in Safe: 0.1 (1%) / 1 (2%) / 10 (3%) / 100 (4%) + 1% OG NFT = 5% max | |
| Custody | Custodial | Non-custodial |
| Annual fee | $0 stated | No annual fee (card purchase cost) |
| FX fee | ~3% foreign transaction fee (poor for travel) | 0% |
| ATM fee | Applies | Verify; generally low |
| Conversion spread | BitPay conversion rate on load | 0% conversion fee (EURe stablecoin spend) |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes (Apple Pay) |
| Region availability | United States only; new applications paused (waitlist) | EEA, UK, Brazil (expanding) |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
Gnosis Pay Card
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own wallet. It offers a self-custodial alternative to traditional crypto cards, but requires careful setup and understanding.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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