Provider comparison
Gnosis Pay Card vs Plutus 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 Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
Gnosis Pay Card
Plutus Card
Reward asset
Gnosis Pay Card
Plutus Card
Staking tier
Gnosis Pay Card
Plutus Card
Custody
Gnosis Pay Card
Plutus Card
Annual fee
Gnosis Pay Card
Plutus Card
FX fee
Gnosis Pay Card
Plutus Card
ATM fee
Gnosis Pay Card
Plutus Card
Conversion spread
Gnosis Pay Card
Plutus Card
Network
Gnosis Pay Card
Plutus Card
Apple / Google Pay
Gnosis Pay Card
Plutus Card
Region availability
Gnosis Pay Card
Plutus Card
| Feature | Gnosis Pay Card | Plutus Card |
|---|---|---|
| Effective rewards | 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | GNO | PLU |
| Staking tier | GNO held in Safe: 0.1 (1%) / 1 (2%) / 10 (3%) / 100 (4%) + 1% OG NFT = 5% max | Paid plan required (Starter GBP6.99 / Everyday GBP9.99 / Premium GBP19.99); optional PLU stake boosts rate/perks |
| Custody | Non-custodial | Custodial |
| Annual fee | No annual fee (card purchase cost) | Subscription-based (see plans) |
| FX fee | 0% | ~2.5% |
| ATM fee | Verify; generally low | Verify (limited free allowance) |
| Conversion spread | 0% conversion fee (EURe stablecoin spend) | Fund from fiat/crypto; spread on top-up |
| Network | Visa | Visa |
| Apple / Google Pay | Yes (Apple Pay) | Yes |
| Region availability | EEA, UK, Brazil (expanding) | UK and EEA |
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.
Plutus Card
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases, combining a prepaid debit card with a self-custodial wallet.
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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