Which is better, the Gnosis Pay Card or the MetaMask Card?

It depends on what you optimise for. Gnosis Pay Card is a debit card advertising Up to 5%; MetaMask Card is a debit card advertising Up to 3%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Gnosis Pay Card and the MetaMask 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.

Gnosis Pay Card vs MetaMask 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.

DEBIT

CASHBACK

5%

ANNUAL FEE

€30/year…

GNOSIS PAY CARD

MONAVATE LTD

VISA

Gnosis Pay Card

Monavate Ltd

High cashback
Self-custody
No staking
Apple Pay

DEBIT

CASHBACK

3%

ANNUAL FEE

Free Virtual…

METAMASK CARD

CONSENSYS / BAANX

MASTERCARD

MetaMask Card

Consensys / Baanx

Self-custody
No staking
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 MetaMask Card
Criterion	Gnosis Pay Card	MetaMask Card
Overall	3.5 / 5	3.9 / 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 Virtual card is free with a 1% cross-border fee and 2% on ATM withdrawals. Stablecoin conversion is free in matching currencies, 0.5–0.875% otherwise.
Conditions 25%	3.5The 2% rate needs 1 GNO held — not staked or locked — while the 5% headline needs 100 GNO plus an OG NFT, well beyond a normal holding.	4.5Nothing to stake or hold on the free card. The 3% rate needs the $199-a-year Metal card, three times the everyday rate.
Rewards 25%	3.52% in GNO at a realistic holding, with weekly spend caps by tier. Rewards are paid in Gnosis's own token, so their value moves with it.	3.01% on the free Virtual card, paid in mUSD, a dollar stablecoin rather than a volatile token. Metal's 3% on the first $10,000 a year barely covers its own fee.
Reliability 25%	3.0Self-custodial and well regarded, but the current cashback programme ends on 30 September 2026, the help centre is not publicly readable, and sources disagree on the annual fee.	4.0Built by Consensys with Baanx, with per-tier fees and limits published, and our data re-checked this month.

QUICK VERDICT

Who wins on what

HIGHER HEADLINE CASHBACK
Gnosis Pay Card
Up to 5% vs Up to 3%

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: GNO (Gnosis tokens) on the Gnosis Pay Card, mUSD on the MetaMask Card.
Gnosis Pay Card runs on Visa; MetaMask Card runs on Mastercard.

EVERY FIELD

Gnosis Pay Card vs MetaMask Card, side by side

Full field-by-field comparison of the Gnosis Pay Card and the MetaMask Card
Field	Gnosis Pay Card	MetaMask Card
Card type	Debit	Debit
Network	Visa	Mastercard
Max cashback	Up to 5%	Up to 3%
Rewards paid in	GNO (Gnosis tokens)	mUSD
Annual fee	€30/year (Safe wallet maintenance fee)	Free Virtual; $199/year Metal
Monthly fee	None	None
FX fee	0% (Visa's rate applies)	Virtual: 1% cross-border fee; Metal: 0% cross-border fee subject to fair use
ATM fee	5 free withdrawals or €200/month, then 2%	Virtual: 2%; ATM access currently limited to eligible US Virtual users. Metal: free up to $1,200/month, then 2%
Crypto conversion	0%	0% for eligible local-currency stablecoins; 0.5% for certain mismatched stablecoins; 0.875% for other cryptocurrencies; DeFi/yield tokens 0% up to $1,200/month then 0.5%
Where it works	EEA, UK, Switzerland and selected Latin American markets	Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay
Self-custody	Yes	Yes
No staking needed	Yes	Yes
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
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.

GO DEEPER

Read the full review of each

Gnosis Pay Card review →MetaMask Card review →Compare three cards instead