Provider comparison
Fold Card vs Gnosis Pay Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial pr…
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
Effective rewards
Fold Card
Gnosis Pay Card
Reward asset
Fold Card
Gnosis Pay Card
Staking tier
Fold Card
Gnosis Pay Card
Custody
Fold Card
Gnosis Pay Card
Annual fee
Fold Card
Gnosis Pay Card
FX fee
Fold Card
Gnosis Pay Card
ATM fee
Fold Card
Gnosis Pay Card
Conversion spread
Fold Card
Gnosis Pay Card
Network
Fold Card
Gnosis Pay Card
Apple / Google Pay
Fold Card
Gnosis Pay Card
Region availability
Fold Card
Gnosis Pay Card
| Feature | Fold Card | Gnosis Pay Card |
|---|---|---|
| Effective rewards | 1.5% back in BTC on credit card; +0.5% for paying balance in BTC; up to 4% on first $2k/month spend | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) |
| Reward asset | Bitcoin (sats) | GNO |
| Staking tier | None (Fold+ paid tier boosts perks) | 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 (credit card) | No annual fee (card purchase cost) |
| FX fee | Verify | 0% |
| ATM fee | Verify (debit) | Verify; generally low |
| Conversion spread | Rewards bought as BTC; spot pricing | 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) |
Fold Card
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial product designed for users who want to accumulate Bitcoin without actively trading.
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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