Provider comparison
Crypto.com Visa Card vs Gnosis Pay Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visi…
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
Effective rewards
Crypto.com Visa Card
Gnosis Pay Card
Reward asset
Crypto.com Visa Card
Gnosis Pay Card
Staking tier
Crypto.com Visa Card
Gnosis Pay Card
Custody
Crypto.com Visa Card
Gnosis Pay Card
Annual fee
Crypto.com Visa Card
Gnosis Pay Card
FX fee
Crypto.com Visa Card
Gnosis Pay Card
ATM fee
Crypto.com Visa Card
Gnosis Pay Card
Conversion spread
Crypto.com Visa Card
Gnosis Pay Card
Network
Crypto.com Visa Card
Gnosis Pay Card
Apple / Google Pay
Crypto.com Visa Card
Gnosis Pay Card
Region availability
Crypto.com Visa Card
Gnosis Pay Card
| Feature | Crypto.com Visa Card | Gnosis Pay Card |
|---|---|---|
| Effective rewards | 1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) |
| Reward asset | CRO | GNO |
| Staking tier | CRO $0 (1%) / $400 (2%) / $4k (3%) / $40k (5%) / $400k (5%+perks), locked 180 days | 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; some regions charge shipping/issuance | No annual fee (card purchase cost) |
| FX fee | None up to monthly limit, then ~0.5-3% | 0% |
| ATM fee | Free to monthly cap (e.g. $200-$1k by tier), then ~2-3% | Verify; generally low |
| Conversion spread | Interbank-ish, no explicit spread disclosed | 0% conversion fee (EURe stablecoin spend) |
| Network | Visa | Visa |
| Apple / Google Pay | Yes | Yes (Apple Pay) |
| Region availability | US, EEA, UK, Canada, APAC, LATAM (varies) | EEA, UK, Brazil (expanding) |
Crypto.com Visa Card
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visits. It is a custodial card that requires staking CRO tokens to unlock higher reward tiers.
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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