Two self-custody cards: MetaMask is simplest, Gnosis Pay offers native euro and up to 5%. A numbers-first comparison to choose by wallet.
Short answer: both are self-custody cards — you spend from your own wallet, without handing your crypto to an exchange. The MetaMask Card is simplest if you already use MetaMask; Gnosis Pay is more polished for European spending (native euro stablecoin, cashback up to 5%). The right pick depends on your current wallet and how much cashback matters.
Here's the comparison, no spin.
Same philosophy: self-custody
Unlike exchange cards (Crypto.com, Nexo, Bybit…), neither card takes custody of your funds. You keep your keys; the card debits your wallet at payment, converted to the merchant's currency. That's the core appeal for anyone who wants to stay on-chain and non-custodial.
Gnosis Pay runs on a Safe smart account on Gnosis Chain, with EURe (a euro stablecoin) as its native currency, on the Visa network. MetaMask Card spends straight from your MetaMask wallet (USDC/USDT on Linea), on the Mastercard network, via Baanx infrastructure.
The numbers
| Criterion | Gnosis Pay | MetaMask Card |
|---|---|---|
| Self-custody | Yes (Safe account) | Yes (MetaMask wallet) |
| Cashback | 1% up to 5% | 1% up to 3% |
| Staking | Optional (tiers) | No |
| Network | Visa | Mastercard |
| Spending currency | EURe (euro stablecoin), USDC | USDC/USDT, wETH |
| Annual fee | €0 | €0 |
Data from our own database, hand-checked. Conditions change — check each card's page.
The real trade-off
Both win on the same point — you stay in control of your crypto. The difference is practical:
MetaMask Card wins on simplicity. If MetaMask is already your wallet, there's almost nothing to set up: you spend what's there, no staking, 1% cashback (up to 3%). It's the most natural entry into an on-chain card for an Ethereum user.
Gnosis Pay aims higher for European use: EURe is a euro-denominated stablecoin, which cuts everyday FX friction, and cashback climbs to 5% (with optional tiers). The trade-off is creating a dedicated Safe account — one more step than plugging in an existing wallet.
That's the kind of nuance we highlight in our 2026 crypto card study: beyond the headline rate, it's the network, the spending currency and the setup effort that make the real difference.
So which should you choose?
- ▸You already use MetaMask and want the simplest option → MetaMask Card: spend from your wallet, no staking.
- ▸You want a native euro stablecoin and more cashback → Gnosis Pay: EURe, Visa, up to 5%, at the cost of setting up a Safe account.
- ▸You're unsure → start with no-staking crypto cards: self-custody and no lock-up is often the best balance.
Frequently asked questions
Are Gnosis Pay and MetaMask really self-custody? Yes. Both debit your own wallet at payment; you keep your keys, unlike an exchange card that holds your funds.
Which has the better cashback? Gnosis Pay goes higher (up to 5% vs 3% for MetaMask), with optional tiers. MetaMask stays simpler, with no staking.
What currency do you spend? Gnosis Pay uses EURe (euro stablecoin) and USDC; MetaMask Card spends USDC/USDT (and wETH) from your wallet.
Visa or Mastercard? Gnosis Pay is on Visa, MetaMask Card on Mastercard. Both are widely accepted across Europe.
Do I need to stake for cashback? With MetaMask, no. With Gnosis Pay, staking is optional and unlocks the higher cashback tiers.
This article compares product features for information only and is not investment advice. Rates, conditions and availability change — always check the latest details with the issuer before signing up.
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