Provider comparison
Coinbase Card vs Gnosis Pay Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit…
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
Effective rewards
Coinbase Card
Gnosis Pay Card
Reward asset
Coinbase Card
Gnosis Pay Card
Staking tier
Coinbase Card
Gnosis Pay Card
Custody
Coinbase Card
Gnosis Pay Card
Annual fee
Coinbase Card
Gnosis Pay Card
FX fee
Coinbase Card
Gnosis Pay Card
ATM fee
Coinbase Card
Gnosis Pay Card
Conversion spread
Coinbase Card
Gnosis Pay Card
Network
Coinbase Card
Gnosis Pay Card
Apple / Google Pay
Coinbase Card
Gnosis Pay Card
Region availability
Coinbase Card
Gnosis Pay Card
| Feature | Coinbase Card | Gnosis Pay Card |
|---|---|---|
| Effective rewards | 1-4% (rotating; 4% on select tokens, 1% on BTC/ETH/DAI) | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) |
| Reward asset | Rotating (e.g. XLM, GRT, AMP, RLY at 4%; BTC/ETH/DOGE/DAI at 1%) | 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 | No annual fee | No annual fee (card purchase cost) |
| FX fee | No foreign transaction fee | 0% |
| ATM fee | No Coinbase ATM fee (operator fees may apply) | Verify; generally low |
| Conversion spread | Spread on crypto sold to fund purchase (Coinbase spread) | 0% conversion fee (EURe stablecoin spend) |
| Network | Visa | Visa |
| Apple / Google Pay | Yes | Yes (Apple Pay) |
| Region availability | United States only | EEA, UK, Brazil (expanding) |
Coinbase Card
Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit card that converts crypto to fiat at the point of sale.
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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