Tangem Pay vs Gnosis Pay
How does Tangem Pay 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. Tangem Pay and Gnosis Pay are both crypto cards — here's how they differ. Our provisional scoring rates Gnosis Pay higher (8.4/10 vs 8/10), but the best pick depends on your country and how you spend.
| Feature | Tangem Pay | Gnosis Pay |
|---|---|---|
| Our score | 8/10 | 8.4/10 |
| Type | Virtual | Debit |
| Networks | Visa | Visa |
| Rewards | Tiered cashback: Basic 1% (cap $100/mo), Plus 2% (cap $300/mo), Prestige 4% (cap $1,000/mo) | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet |
| Annual fee | Basic $0/mo; Plus $29.99/mo (waived with $4,500 monthly spend or $65,000 in Yield Mode); Prestige $999/year | — |
| FX fee | — | — |
| ATM fee | Basic 4%, Plus 2%, Prestige 1% | — |
| KYC | Full | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC | USDC, EURC (stablecoins) |
| Availability | Select countries across USA, LATAM, APAC, MEA and Africa | UK, EU (expanding) |
| Apple / Google Pay | Yes | Yes |
When choosing between Tangem Pay and Gnosis Pay, the decision primarily hinges on your specific needs regarding cashback structure, supported currencies, and geographic availability. Both cards offer self-custodial features, ensuring you maintain control over your funds, but they cater to different user profiles.
Choose Tangem Pay if…
- You want tiered cashback options: Tangem Pay offers a clear cashback structure with up to 4% on the Prestige tier, which might be appealing if you can meet the spending requirements.
- You prefer a virtual card with wide geographic reach: Tangem Pay’s virtual Visa card is accepted at merchants in over 150 countries, making it a versatile option for international users.
- You are comfortable with USDC: If you primarily deal in USDC and are looking for a card that supports this stablecoin, Tangem Pay is a suitable choice.
- You are willing to pay for higher tiers: The Plus and Prestige tiers offer better cashback and lower ATM fees, but they come with monthly or annual fees. If you can justify these costs, you can benefit from the enhanced features.
Choose Gnosis Pay if…
- You hold GNO and want to maximize cashback: Gnosis Pay offers up to 5% cashback on eligible transactions, which is attractive if you have a significant amount of GNO in your wallet.
- You need a debit card with global acceptance: With Visa debit acceptance at over 80 million merchants worldwide, Gnosis Pay provides extensive usability.
- You prefer a card that supports multiple stablecoins: Gnosis Pay supports both USDC and EURC, offering more flexibility if you deal in multiple currencies.
- You are based in the UK or EU: Gnosis Pay is currently available in these regions, with plans for expansion, making it a convenient option for users in these areas.
Bottom line
Ultimately, the choice between Tangem Pay and Gnosis Pay depends on your geographic location, preferred currency, and how you value cashback structures. Tangem Pay is ideal for those who prioritize tiered rewards and wide geographic acceptance, while Gnosis Pay is suited for users who hold GNO and seek high cashback on their transactions. Both cards offer self-custodial security, which is a significant advantage. For more detailed comparisons, visit our rating methodology.