Gnosis Pay vs MetaMask Card
How does Gnosis Pay compare to MetaMask Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: MetaMask Card · provisional, see how we rate
Quick answer. Gnosis Pay and MetaMask Card are both crypto cards — here's how they differ. Key differences: network (Gnosis Pay: Visa vs MetaMask Card: Mastercard). Our provisional scoring rates MetaMask Card higher (8.5/10 vs 8.4/10), but the best pick depends on your country and how you spend.
| Feature | Gnosis Pay | MetaMask Card |
|---|---|---|
| Our score | 8.4/10 | 8.5/10 |
| Type | Debit | Debit |
| Networks | Visa | Mastercard |
| Rewards | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% |
| Annual fee | — | Virtual: free; Metal: $199/yr |
| FX fee | — | No additional MetaMask fee (uses Mastercard's exchange rate) |
| ATM fee | — | — |
| KYC | Full | — |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC, EURC (stablecoins) | mUSD, wETH, EURe, GBPe, USDC, USDT |
| Availability | UK, EU (expanding) | 40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed |
| Apple / Google Pay | Yes | Yes |
When choosing between Gnosis Pay and MetaMask Card, the decision largely depends on your priorities regarding rewards, fees, availability, and the specific features of each card. Both cards offer self-custodial options, meaning you retain control over your funds until the moment of payment, which is a significant advantage for users who prioritize security and control.
Choose Gnosis Pay if…
- You are based in the UK or EU (with plans to expand elsewhere) and want a card that is currently available in your region.
- You hold GNO tokens and want to earn up to 5% cashback on eligible transactions, as the cashback is tied to the amount of GNO you hold.
- You prefer a card that supports Apple Pay and Google Pay, making it convenient for mobile payments.
- You value a card that operates on multiple chains, including Ethereum, Polygon, and Gnosis Chain, offering flexibility in how you manage your funds.
- You are comfortable with a full KYC process, as Gnosis Pay requires Sumsub verification.
Choose MetaMask Card if…
- You are looking for a card that is available in over 40 countries, including most of the EU, Canada, and Latin America, although note that signups in the US and UK are temporarily closed.
- You prefer a card that offers a virtual option with 1% mUSD back per transaction, or a metal card with 3% mUSD back on the first $10,000 spent, followed by 1% thereafter.
- You are willing to pay an annual fee of $199 for the metal card tier, which offers higher rewards.
- You want a card that supports a variety of stablecoins, including mUSD, wETH, EURe, GBPe, USDC, and USDT, providing more options for managing your digital assets.
- You appreciate the convenience of using Apple Pay and Google Pay, as MetaMask Card also supports these platforms.
Bottom line
Ultimately, the choice between Gnosis Pay and MetaMask Card hinges on your specific needs and circumstances. If you are based in the UK or EU and hold GNO tokens, Gnosis Pay’s cashback feature and broader chain support might be more appealing. On the other hand, if you are looking for a card with a wider international availability and are interested in the metal card’s higher rewards, MetaMask Card could be the better option. For more detailed insights on how we rate these cards, visit our rating page.