Gnosis Pay Card vs Karma Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Gnosis Pay Card scores higher overall (8.9 vs 8.5), but the better pick depends on what you need.
Gnosis Pay Card
by Gnosis Pay
8.9editor score 6.2/10
Pick Gnosis Pay if you want a card that
- ✓pays more cashback
- ✓also comes as a physical card
- ✓supports more coins
Side by side
| Gnosis Pay | Karma | |
|---|---|---|
| Editor score | 8.9/10Better | 8.5/10 |
| User rating | 6.2/10 | Not rated |
| ID check | ID verification | ID verification |
| Card fee | $30.23 | FreeBetter |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Not listed |
| FX fee | Not listed | Not listed |
| Daily limit | $8,000 | No stated limit |
| Cashback | 4%Better | None |
| Card type | PhysicalBetter | Virtual |
| Network | Visa | Visa |
| Apple Pay | No | No |
| Google Pay | No | No |
| Coins | 3Better | 2 |
Gnosis Pay: pros and cons
- +First self-custodial Visa card of its kind
- +Up to 4% cashback, or 5% with GNO holdings and the OG NFT
- +No transaction or foreign exchange fees
- +Works directly with a Safe smart wallet
- −1.5% stabilization fee on every transaction
- −Supports only EURe, GBPe and USDCe
- −Not usable for car rentals or fuel pumps
- −Daily spending cap of 8,000 EUR
Karma: pros and cons
- +Self-custody with real IBANs and routing numbers
- +Fast Solana wallet with instant settlement
- +Real-time FX and no hidden fees
- +Euros and crypto managed in one place
- −Newer platform with little track record
- −Mostly Solana-focused, with limited multi-chain support
- −Focused on Europe and the SEPA region
- −Assumes some understanding of crypto banking
Questions
Is Gnosis Pay Card or Karma Card better?
Gnosis Pay Card has the higher editor score (8.9/10). Gnosis Pay pays more cashback, also comes as a physical card and supports more coins. Karma cheaper to open.
Which is cheaper, Gnosis Pay or Karma?
Gnosis Pay charges $30.23 to open and an unlisted fee per top-up. Karma charges free to open and an unlisted fee per top-up. The top-up fee matters most if you load larger amounts.
Do Gnosis Pay and Karma require KYC?
Gnosis Pay: yes, id verification. Karma: yes, id verification.
Do Gnosis Pay and Karma work with Apple Pay?
Gnosis Pay does not work with Apple Pay and Karma does not work with Apple Pay.