Gnosis Pay Card vs Ether.fi Cash: 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
CREDITEther.Fi Cash Ltd logo
CASHBACK
4%
ANNUAL FEE
Core free…
ETHER.FI CASH
ETHER.FI CASH LTD
VISA

Ether.fi Cash

Ether.Fi Cash Ltd
  • Self-custody
  • Virtual card
  • Apple Pay
  • Google Pay
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 Ether.fi Cash
CriterionGnosis Pay CardEther.fi Cash
Overall3.5 / 54.1 / 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.4.0The Core plan is free, but FX is about 1–1.5% and a physical card costs $50.
Conditions 25%3.5The rewards programme has ended, so there is nothing left to qualify for.5.0Core's 3% needs no paid plan, stake or balance, and the top advertised rate (4%) is close to what Core pays.
Rewards 25%3.5GNO cashback ended on 30 September 2026, so the card no longer pays rewards.4.0Core pays 3% on the first $2,000/month — about $45 at $1,500 spend — but in ETHFI, ether.fi's own token.
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.3.5Fees, tiers and terms are documented clearly in ether.fi's own help centre, which counts in its favour. The terms have also moved several times this year: rewards switched to ETHFI, rates now step down past each tier's monthly threshold, card spending earns fewer membership points since 15 September, and the cashback terms were revised again on 11 September 2026.
Ether.fi Cash

Ether.fi Cash is a strong crypto card for experienced users who value self-custody and high cashback, but its tier system, annual costs, and spending conditions make it less attractive for ordinary users. The 3–4% headline cashback is compelling, yet the best rates depend on tier and monthly caps, while FX costs and membership requirements reduce the real-world value. Overall, it is a powerful but relatively complex card rather than an obvious all-round winner.

QUICK VERDICT

Who wins on what

  • NO TOKEN LOCK-UP
    Gnosis Pay Card
    headline rate without staking

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

  • Gnosis Pay Card is a debit card while Ether.fi Cash is a credit card — that changes how you fund it, not just what it pays.
  • Rewards arrive in different assets: None (GNO cashback ended 30 Sep 2026) on the Gnosis Pay Card, ETHFI on the Ether.fi Cash.
EVERY FIELD

Gnosis Pay Card vs Ether.fi Cash, side by side

Full field-by-field comparison of the Gnosis Pay Card and the Ether.fi Cash
FieldGnosis Pay CardEther.fi Cash
Card typeDebitCredit
NetworkVisaVisa
Max cashbackNoneUp to 4%
Rewards paid inNone (GNO cashback ended 30 Sep 2026)ETHFI
Annual fee€30/year (Safe wallet maintenance fee)Free
Core: free · Luxe: $199/year · Pinnacle: $999/year · VIP: by invitation
Monthly feeNoneNone
FX fee0%
(Visa's rate applies)
~1–1.5%
~1% base rate, plus up to 0.5% markup on Core and up to 0.25% on Luxe; no markup on Pinnacle or VIP. Purchases charged in EUR are converted at the market rate with no FX markup
ATM fee5 free withdrawals or €200/month, then 2%Free up to 10 withdrawals/mo on Pinnacle and VIP
Crypto conversion0%No separate crypto conversion fee published
Where it worksEEA, UK, Switzerland and selected Latin American marketsAndorra, Angola, Antigua & Barbuda, Argentina, Australia, Austria, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Brazil, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, France, Germany, Gibraltar, Greece, Guernsey, Guatemala, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Japan, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Maldives, Malta, Mexico, Monaco, New Zealand, Nigeria, Norway, Oman, Palau, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Saudi Arabia, Seychelles, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, St. Kitts & Nevis, St. Lucia, St. Vincent & the Grenadines, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Turks & Caicos Islands, UAE, UK, United States (only Alabama, Alaska, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming), Uruguay, Vanuatu.
Self-custodyYesYes
No staking neededYesNo
Apple PayYesYes
Google PayYesYes
Virtual card—Yes

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 Ether.fi Cash: common questions

Which is better, the Gnosis Pay Card or the Ether.fi Cash?

It depends on what you optimise for. Gnosis Pay Card is a debit card with no published cashback rate; Ether.fi Cash is a credit card advertising up to 4%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Gnosis Pay Card and the Ether.fi Cash?

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 →Ether.fi Cash review →Compare three cards instead

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