We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Head-to-head
| Feature | Gnosis Pay | MetaMask | Better |
|---|---|---|---|
| Cashback without staking | 0% | 1% | MetaMask |
| Best cashback | None | Up to 3% | MetaMask |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Not verified | Free | — |
| FX fee (entry tier) | 0% | 1% | Gnosis Pay |
| Available in US | Not verified | Not available | — |
| Available in UK | Available | Not available | Gnosis Pay |
| Available in EEA | Available | With restrictions | Gnosis Pay |
| Network | Visasource | Mastercardsource | — |
| Card type | Debit · self-custody | Debit · self-custody | — |
| Staking or paid plan for best rate | Not verified | Yes | — |
| Top-up | Not verified | Token-dependent: 0% for local-currency stablecoins; 0.5% other-currency stablecoins; 0.875% other crypto (e.g. wETH); small gas (~$0.01)source | — |
| Free ATM per month | 5 withdrawals or 200 EURe/GBPe/USDCe per month (whichever first), then 2%source | Not available outside US; US: Free tier 2%, Metal free up to $1,200/month then 2%source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Gnosis Pay: entry-tier cashback 0%source, best rate Nonesource, paid in GNOsource.
MetaMask Card: entry-tier cashback 1%source, best rate Up to 3%source, paid in mUSDsource. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Gnosis Pay | Can’t calculate: a fee or rate is not verified | |||
| MetaMask Card | $120 | −$24 | −$0 | $96 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
| Region | Gnosis Pay | MetaMask |
|---|---|---|
| US | Not verified | Not available |
| UK | Available | Not available |
| EEA | Available | With restrictions |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Gnosis Pay if…
- You often pay in foreign currencies — the entry-tier FX fee is 0% versus 1%.
- You live in the UK, where Gnosis Pay can be issued and MetaMask Card is not offered.
- You live in the EEA, where Gnosis Pay can be issued and MetaMask Card has restrictions.
- You are looking for a card for existing users planning a move before December 2026.
Choose MetaMask Card if…
- You want cashback without staking — 1% on the entry tier versus 0%.
- You can reach the top tier: the best advertised rate is 3%.
- You are looking for a card for spending from your own MetaMask wallet.
FAQ
Which is better, Gnosis Pay or MetaMask Card?
We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Can I get Gnosis Pay or MetaMask Card in the US?
Gnosis Pay: not verified. MetaMask Card: Not available. Availability can change; check the issuer’s site before applying.