SafePal Card vs Gnosis Pay
How does SafePal 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. SafePal Card and Gnosis Pay are both crypto cards — here's how they differ. Key differences: network (SafePal Card: Mastercard vs Gnosis Pay: Visa). Our provisional scoring rates Gnosis Pay higher (8.4/10 vs 7.4/10), but the best pick depends on your country and how you spend.
| Feature | SafePal Card | Gnosis Pay |
|---|---|---|
| Our score | 7.4/10 | 8.4/10 |
| Type | Virtual | Debit |
| Networks | Mastercard | Visa |
| Rewards | Up to 40% referral commissions on top-up fees from referred accounts (no direct spend cashback stated) | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet |
| Annual fee | None (zero account creation/management fees) | — |
| FX fee | — | — |
| ATM fee | — | — |
| KYC | Full | Full |
| Custody | — | Self-custodial |
| Supported coins | USDC as default settlement asset (top-up converts to USDC/fiat) | USDC, EURC (stablecoins) |
| Availability | Supported regions only (geographic restrictions apply) | UK, EU (expanding) |
| Apple / Google Pay | Yes | Yes |
Choosing between the SafePal Card and Gnosis Pay depends on your priorities as a crypto card user. Both cards offer unique advantages and come with specific limitations based on their features and supported networks.
Choose SafePal Card if…
- You want a referral-based rewards system: The SafePal Card offers up to 40% referral commissions on top-up fees from referred accounts, which could be beneficial if you have a large network of potential referrals.
- You prioritize a wide range of supported blockchains: With support for over 40 blockchains, the SafePal Card is ideal for users who want flexibility in managing their crypto assets.
- You use multiple mobile payment platforms: The SafePal Card supports Apple Pay, Google Pay, and Samsung Pay, providing versatile options for contactless payments.
- You prefer a card with no account creation or management fees: The SafePal Card has no annual fees and offers top-up fees as low as 0.4% at the highest tier.
Choose Gnosis Pay if…
- You value self-custody of your funds: Gnosis Pay operates with a self-custodial model, allowing you to control your assets through a Safe Smart Account, which means “you own your keys.”
- You are interested in cashback rewards: Gnosis Pay offers up to 5% cashback on eligible transactions, provided you hold a certain amount of GNO in your wallet.
- You are based in the UK or EU and need widespread merchant acceptance: The Visa debit card is accepted at 80 million merchants worldwide, making it a convenient option for everyday transactions.
- You prefer a card that supports stablecoins: Gnosis Pay supports USDC and EURC, which can be advantageous for users who frequently transact with stablecoins.
Bottom line
Ultimately, the choice between SafePal Card and Gnosis Pay hinges on your specific needs and preferences. If you prioritize a wide range of supported blockchains, referral-based rewards, and multiple mobile payment options, the SafePal Card might be the better fit. On the other hand, if self-custody, cashback rewards, and widespread merchant acceptance are more important to you, Gnosis Pay could be the superior choice. For more detailed information on how we rate these cards, visit our ratings page.