Gnosis Pay Card vs Bleap Crypto Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBITMonavate Ltd logo
CASHBACK
None
ANNUAL FEE
€30/year…
GNOSIS PAY CARD
MONAVATE LTD
VISA

Gnosis Pay Card

Monavate Ltd
  • Self-custody
  • No staking
  • Apple Pay
  • Google Pay
DEBITBleap SIA logo
CASHBACK
20%
ANNUAL FEE
Free
BLEAP CRYPTO CARD
BLEAP SIA
MASTERCARD

Bleap Crypto Card

Bleap SIA
  • High cashback
  • No fees
  • No FX fees
  • Self-custody
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Gnosis Pay Card and the Bleap Crypto Card
CriterionGnosis Pay CardBleap Crypto Card
Overall3.5 / 54.0 / 5
Cost 25%4.0A €30 annual fee for the Safe wallet, but no FX markup, no conversion fee, and five free ATM withdrawals or €200 a month before a 2% charge.5.0No card, monthly or annual fee, no FX markup, no conversion fee, and ATM withdrawals free up to €400 a month — as cheap as this comparison gets.
Conditions 25%3.5The rewards programme has ended, so there is nothing left to qualify for.4.0No stake, balance or plan is needed. The 20% headline is real but applies only to streaming, AI and gaming subscriptions, far above the everyday rate.
Rewards 25%3.5GNO cashback ended on 30 September 2026, so the card no longer pays rewards.3.51% on everything, 3% on rides and delivery, and 20% on listed subscriptions, all paid in USDC with per-category monthly caps. A 2% restaurant and supermarket rate ended with its promotion on 31 May 2026.
Reliability 25%3.0Gnosis Pay is closing its consumer card on 20 December 2026 and ended its cashback on 30 September 2026. Funds sit in the user's own Safe wallet, so they stay accessible after the closure.3.5Licensed under MiCA by Latvijas Banka with dated cashback terms and a published eligibility list, but the product is young and some EEA countries are still waiting.
QUICK VERDICT

Who wins on what

  • CHEAPER TO HOLD
    Bleap Crypto Card
    no annual fee vs €30/year (Safe wallet maintenance fee)

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: None (GNO cashback ended 30 Sep 2026) on the Gnosis Pay Card, USDC on the Bleap Crypto Card.
  • Gnosis Pay Card runs on Visa; Bleap Crypto Card runs on Mastercard.
EVERY FIELD

Gnosis Pay Card vs Bleap Crypto Card, side by side

Full field-by-field comparison of the Gnosis Pay Card and the Bleap Crypto Card
FieldGnosis Pay CardBleap Crypto Card
Card typeDebitDebit
NetworkVisaMastercard
Max cashbackNoneUp to 20%
Rewards paid inNone (GNO cashback ended 30 Sep 2026)USDC
Annual fee€30/year (Safe wallet maintenance fee)Free
Monthly feeNoneNone
FX fee0%
(Visa's rate applies)
0%
ATM fee5 free withdrawals or €200/month, then 2%Free up to €400/month
Crypto conversion0%0%
Where it worksEEA, UK, Switzerland and selected Latin American marketsEEA, Switzerland
Self-custodyYesYes
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Gnosis Pay Card vs Bleap Crypto Card: common questions

Which is better, the Gnosis Pay Card or the Bleap Crypto Card?

It depends on what you optimise for. Gnosis Pay Card is a debit card with no published cashback rate; Bleap Crypto Card is a debit card advertising up to 20%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Gnosis Pay Card and the Bleap Crypto Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Gnosis Pay Card review →Bleap Crypto Card review →Compare three cards instead

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