Crypto Life (CL) Card vs Gnosis Pay
How does Crypto Life (CL) Card compare to Gnosis Pay? A side-by-side look at fees, rewards, custody and availability.
Higher score: Gnosis Pay · provisional, see how we rate
Quick answer. Crypto Life (CL) Card and Gnosis Pay are both crypto cards — here's how they differ. Key differences: network (Crypto Life (CL) Card: Mastercard, Visa vs Gnosis Pay: Visa). Our provisional scoring rates Gnosis Pay higher (8.4/10 vs 7.7/10), but the best pick depends on your country and how you spend.
| Feature | Crypto Life (CL) Card | Gnosis Pay |
|---|---|---|
| Our score | 7.7/10 | 8.4/10 |
| Type | Debit | Debit |
| Networks | Mastercard, Visa | Visa |
| Rewards | 1% reward on total card transactions (in BTC or USDT), or 2% if reward is taken in BXX | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet |
| Annual fee | None (free card, no subscription fee) | — |
| FX fee | — | — |
| ATM fee | — | — |
| KYC | Full | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | BTC, LTC, XRP, ETH, SOL (receive only), USDC, USDT, EURT, BXX | USDC, EURC (stablecoins) |
| Availability | — | UK, EU (expanding) |
| Apple / Google Pay | Yes | Yes |
When choosing between the Crypto Life (CL) Card and Gnosis Pay, your decision will largely depend on your priorities regarding rewards, supported cryptocurrencies, and staking options. Both cards offer unique features that cater to different user needs. Below, we break down which card might be the better fit for you based on key factors.
Choose Crypto Life (CL) Card if…
- You want a wider variety of supported cryptocurrencies: The CL Card supports a broader range of coins, including BTC, LTC, XRP, ETH, SOL, USDC, and USDT, making it a more versatile option for those who hold multiple cryptocurrencies.
- You are interested in staking rewards: The CL Card offers BXX token staking with attractive APRs, ranging from 5% to 25% depending on the staking duration. This is a great feature for users looking to earn additional rewards on their holdings.
- You prefer a card with no annual fee: The CL Card is completely free, with no subscription fees, making it a cost-effective choice for users who want to avoid ongoing charges.
- You value self-custody: Both cards offer self-custodial wallets, but if this is a priority for you, the CL Card is a solid choice.
- You are looking for a card with multiple network options: The CL Card supports both Mastercard and Visa, providing more flexibility in terms of where the card can be used.
Choose Gnosis Pay if…
- You are interested in higher cashback rewards: Gnosis Pay offers up to 5% cashback on eligible transactions, which is significantly higher than the 1-2% rewards offered by the CL Card. This makes it an attractive option for users who want to earn more back on their spending.
- You hold GNO tokens: The cashback rewards on Gnosis Pay are based on the amount of GNO held in your wallet, so if you are already a GNO holder, this card could be a great way to maximize the value of your holdings.
- You are based in the UK or EU: Gnosis Pay is currently available in the UK and EU, with plans to expand, making it a suitable option for users in these regions.
- You prefer a card focused on stablecoins: Gnosis Pay supports USDC and EURC, which are stablecoins, providing a more stable value for users who are risk-averse.
- You are looking for a card on the Ethereum, Polygon, or Gnosis Chain: Gnosis Pay operates on these chains, which might be a better fit for users who are already active in these ecosystems.
Bottom line
Ultimately, the choice between the Crypto Life (CL) Card and Gnosis Pay will depend on your specific needs and preferences. If you prioritize a wide range of supported cryptocurrencies, staking options, and no annual fees, the CL Card is likely the better choice. However, if you are looking for higher cashback rewards and are a GNO holder, Gnosis Pay might be more appealing. For more detailed comparisons, visit our how we rate page.