Gnosis Pay Card vs MetaMask Card
Detailed comparison
| Gnosis Pay Card | Criteria | MetaMask Card |
|---|---|---|
| 1 % | Base cashback | 1 % |
| 5 % | Premium cashback | 3 % |
| Free | Annual fees | Free |
| 1 € | Staking required | None |
| 5 000 € | Daily limit | 10 000 € |
| Visa | Network | Mastercard |
| Available in Europe | ||
| Free ATM withdrawals |
Accepted cryptos5
Accepted cryptos8
Gnosis Pay Card vs MetaMask Card: which crypto card should you choose?
Gnosis Pay and the MetaMask Card are the only two fully self-custody crypto cards available in Europe in 2026. Gnosis Pay runs on the Gnosis blockchain with an integrated on-chain IBAN and 2% cashback in GNO. The MetaMask Card is built on the MetaMask wallet (Ethereum and multi-chain) with cashback in ETH or crypto directly to your wallet. Both target DeFi-native users who don't want to trust a third party with their funds.
Cashback and rewards: advantage Gnosis Pay Card or MetaMask Card?
Cashback is often the primary selection criterion for a crypto card. Both Gnosis Pay Card and MetaMask Card offer variable reward levels depending on staked token amounts. As a general rule, the higher the staking, the better the cashback rate, sometimes up to 5% or more. It's worth calculating whether the extra return justifies locking up capital, taking into account the volatility of crypto assets.
Fees, staking requirements and conditions
Beyond cashback, annual fees and staking requirements play a decisive role in a card's real profitability. Gnosis Pay Card and MetaMask Card differ on these points: one may be free under certain conditions, while the other requires a token commitment. ATM withdrawals, foreign-currency charges and any monthly commissions should also factor into your analysis.
Our verdict: Gnosis Pay Card vs MetaMask Card
Gnosis Pay is more mature on traditional payment features (SEPA IBAN, incoming bank transfers) and offers clear 2% GNO cashback. The MetaMask Card provides deeper integration with the Ethereum and multi-chain DeFi ecosystem. For everyday use with banking features, Gnosis Pay leads. For hardcore Ethereum DeFi users, the MetaMask Card is more coherent. Score: Gnosis Pay 4.1/5 vs MetaMask Card 3.9/5.
Frequently Asked Questions
Gnosis Pay or MetaMask Card: which is easier for everyday use?
Gnosis Pay is simpler for daily payments thanks to its IBAN integration and dedicated app. The MetaMask Card requires more familiarity with Web3 wallets.
Is the MetaMask Card available in Europe?
The MetaMask Card is available in several European countries via Mastercard. Check current availability at metamask.io, as the rollout is gradual.
Are both cards truly self-custody?
Yes. Both Gnosis Pay and the MetaMask Card run on your own private keys, you retain full control of your funds at all times, with no custodial intermediary.
Check the full terms on the official website.
View offerGnosis Pay Card
How to choose between two crypto cards?
Comparing two crypto cards is not just about looking at the cashback rate on the label. You need to factor in the staking amount required to unlock that rate, the annual fees that eat into net returns, the daily spending limits, and the geographic availability of the card. For instance, a card offering 5% cashback but requiring €10,000 in staking may be less attractive than a 2% card with no staking requirement, depending on your profile. Our comparison puts all these criteria side by side to help you make the best decision. You can also use our cashback simulator to calculate your estimated return based on your spending habits.
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