Provider comparison
Gnosis Pay Card vs Nexo Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own w…
The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypt…
Effective rewards
Gnosis Pay Card
Nexo Card
Reward asset
Gnosis Pay Card
Nexo Card
Staking tier
Gnosis Pay Card
Nexo Card
Custody
Gnosis Pay Card
Nexo Card
Annual fee
Gnosis Pay Card
Nexo Card
FX fee
Gnosis Pay Card
Nexo Card
ATM fee
Gnosis Pay Card
Nexo Card
Conversion spread
Gnosis Pay Card
Nexo Card
Network
Gnosis Pay Card
Nexo Card
Apple / Google Pay
Gnosis Pay Card
Nexo Card
Region availability
Gnosis Pay Card
Nexo Card
| Feature | Gnosis Pay Card | Nexo Card |
|---|---|---|
| Effective rewards | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) | 0.5-2% (credit-mode purchases only, not debit) |
| Reward asset | GNO | NEXO (up to 2%) or BTC (up to 0.5%) |
| Staking tier | GNO held in Safe: 0.1 (1%) / 1 (2%) / 10 (3%) / 100 (4%) + 1% OG NFT = 5% max | Loyalty tier by NEXO-to-portfolio ratio; higher cashback needs >~$5k portfolio and NEXO holdings |
| Custody | Non-custodial | Custodial |
| Annual fee | No annual fee (card purchase cost) | No monthly or annual fee |
| FX fee | 0% | FX fee applies even in EEA/UK, higher on weekends |
| ATM fee | Verify; generally low | Free to monthly limit by loyalty tier, then fee |
| Conversion spread | 0% conversion fee (EURe stablecoin spend) | Standard, applies on debit-mode conversions |
| Network | Visa | Mastercard |
| Apple / Google Pay | Yes (Apple Pay) | Yes |
| Region availability | EEA, UK, Brazil (expanding) | EEA and UK only (exited US 2024); physical card orders temporarily paused |
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.
Nexo Card
The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypto rewards on everyday purchases, but is custodial and requires careful review of terms.
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.
Line up any two providers side by side, or browse the full list to find your next platform.
