Provider comparison
Bybit Card vs Gnosis Pay Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Bybit Card lets you convert and spend crypto for everyday purchases. It is a custodial card that links to you…
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
Effective rewards
Bybit Card
Gnosis Pay Card
Reward asset
Bybit Card
Gnosis Pay Card
Staking tier
Bybit Card
Gnosis Pay Card
Custody
Bybit Card
Gnosis Pay Card
Annual fee
Bybit Card
Gnosis Pay Card
FX fee
Bybit Card
Gnosis Pay Card
ATM fee
Bybit Card
Gnosis Pay Card
Conversion spread
Bybit Card
Gnosis Pay Card
Network
Bybit Card
Gnosis Pay Card
Apple / Google Pay
Bybit Card
Gnosis Pay Card
Region availability
Bybit Card
Gnosis Pay Card
| Feature | Bybit Card | Gnosis Pay Card |
|---|---|---|
| Effective rewards | ~2-4% realistic (advertised up to 10% in points, capped) | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) |
| Reward asset | Points redeemable to USDT/USDC/BTC/ETH | GNO |
| Staking tier | No token lock; reward tier by VIP/trading volume/balance | 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 | Applies (verify by region) | 0% |
| ATM fee | Applies | Verify; generally low |
| Conversion spread | Exchange conversion at spend | 0% conversion fee (EURe stablecoin spend) |
| Network | Mastercard/Visa (region-dependent) | Visa |
| Apple / Google Pay | Yes | Yes (Apple Pay) |
| Region availability | EEA and select markets (not US/UK) | EEA, UK, Brazil (expanding) |
Bybit Card
Bybit Card lets you convert and spend crypto for everyday purchases. It is a custodial card that links to your Bybit account, offering convenience for active traders.
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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