Coinbase One Card vs Gnosis Pay
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- Coinbase One Card is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase One Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Credit & financing
Gnosis Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Score by criterion
| Criterion | Coinbase One Card | Gnosis Pay |
|---|---|---|
| Fees | 91 | – |
| Cashback & rewards | 16 | – |
| Availability | 3 | 0 |
| FX & international | 100 | – |
| Product features | – | – |
| Custody & security | – | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | – |
| Transparency | 93 | 86 |
| Best for Cashback | 3.9 | n/a |
| Best for Travel | 6.8 | n/a |
| Best for Self-Custody | n/a | 6.5 |
| Best for DeFi Users | 5.7 | 5.8 |
| Best for High Spenders | 5.4 | n/a |
| Best for Low Fees | 8.8 | n/a |
| Best for Beginners | 5.6 | n/a |
| Best Crypto Credit Card | 6.5 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Closing — discontinuation announced*Show source
Product status: Closing — discontinuation announced
Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027
Source states (paraphrased): Your Gnosis Pay card stops working at 23:59 UTC, 20 December 2026.
Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 70%
Card stops working 23:59 UTC, 20 December 2026; support ends 18 June 2027
Card type
Credit cardShow source
Card type: Credit card
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit cardShow source
Card type: Debit card
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source states (paraphrased): Spend at Visa merchants wherever Visa is accepted.
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Card runs on a self-custodial Safe on Gnosis Chain; funds cannot be frozen or seized by Gnosis Pay.
Source: Why Gnosis Pay Creates a New SAFE Wallet For You
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Monavate*Show source
Card issuer / program manager: Monavate
Named as card partner in the closure notice
Source: Formal notice — closure of the Gnosis Pay web app and card (21 September 2026)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Named as card partner in the closure notice
Fees
Annual fee
$49.99/year*Show source
Annual fee: $49.99/year
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
Source states (paraphrased): Exclusively available to Coinbase One members starting with the $49.99 annual plan; no annual fee for members.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
FX fee
0%Show source
FX fee: 0%
Source states (paraphrased): No foreign transaction fees.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Max cashback
4%*Show source
Max cashback: 4%
Up to; tier depends on average Coinbase balance
Source states (paraphrased): Up to 4% bitcoin back on every purchase.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; tier depends on average Coinbase balance
Cashback paid in
BTCShow source
Cashback paid in: BTC
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment ChargeShow source
Cashback conditions: Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment Charge
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Subject to credit approval
Source states (paraphrased): Eligibility depends on creditworthiness; approval shows a credit limit.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Subject to credit approval
NoShow source
Credit line: No
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit type
Revolving creditShow source
Credit type: Revolving credit
Source states (paraphrased): Rewards terms refer to the minimum payment due.
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Excluding US territories
Source states (paraphrased): Available only within the United States, excluding U.S. territories.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Excluding US territories
Features
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Gnosis Pay Documentation
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
Gnosis ChainShow source
Blockchains: Gnosis Chain
Source: Why Gnosis Pay Creates a New SAFE Wallet For You
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Coinbase One Card
- Annual & monthly fees−43 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Gnosis Pay
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers