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.

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
DEBITConsensys / Baanx logo
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
CriterionGnosis Pay CardMetaMask Card
Overall3.5 / 53.9 / 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 rewards programme has ended, so there is nothing left to qualify for.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%3.5GNO cashback ended on 30 September 2026, so the card no longer pays rewards.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%3.0Gnosis 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.4.0Built by Consensys with Baanx, with per-tier fees and limits published, and our data re-checked this month.
THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: None (GNO cashback ended 30 Sep 2026) 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
FieldGnosis Pay CardMetaMask Card
Card typeDebitDebit
NetworkVisaMastercard
Max cashbackNoneUp to 3%
Rewards paid inNone (GNO cashback ended 30 Sep 2026)mUSD
Annual fee€30/year (Safe wallet maintenance fee)Free Virtual; $199/year Metal
Monthly feeNoneNone
FX fee0%
(Visa's rate applies)
Virtual: 1% cross-border fee; Metal: 0% cross-border fee subject to fair use
ATM fee5 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 conversion0%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 worksEEA, UK, Switzerland and selected Latin American marketsAndorra, 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-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 MetaMask Card: common questions

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 with no published cashback rate; 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.

GO DEEPER

Read the full review of each

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

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