Gnosis Pay Card vs XPlace 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 8.6), but the better pick depends on what you need.
by Gnosis Pay
Pick Gnosis Pay if you want a card that
- ✓pays more cashback
- ✓supports more coins
by XPlace
Pick XPlace if you want a card that
- ✓rated higher by users
- ✓works with Apple Pay
- ✓works with Google Pay
Side by side
| Gnosis Pay | XPlace | |
|---|---|---|
| Editor score | 8.9/10Better | 8.6/10 |
| User rating | 6.2/10 | 6.7/10Better |
| ID check | ID verification | ID verification |
| Card fee | $30.23 | Not listed |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | 1% |
| FX fee | Not listed | Not listed |
| Daily limit | $8,000 | No stated limit |
| Cashback | 4%Better | None |
| Card type | Physical | Virtual and physical |
| Network | Visa | Mastercard |
| Apple Pay | No | YesBetter |
| Google Pay | No | YesBetter |
| 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
XPlace: pros and cons
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
Questions
Is Gnosis Pay Card or XPlace Card better?
Gnosis Pay Card has the higher editor score (8.9/10). Gnosis Pay pays more cashback and supports more coins. XPlace rated higher by users, works with Apple Pay and works with Google Pay.
Which is cheaper, Gnosis Pay or XPlace?
Gnosis Pay charges $30.23 to open and an unlisted fee per top-up. XPlace charges an unlisted fee to open and 1% per top-up. The top-up fee matters most if you load larger amounts.
Do Gnosis Pay and XPlace require KYC?
Gnosis Pay: yes, id verification. XPlace: yes, id verification.
Do Gnosis Pay and XPlace work with Apple Pay?
Gnosis Pay does not work with Apple Pay and XPlace works with Apple Pay.