Head to head
Gnosis App vs EtherFi
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Gn Gnosis App | Et EtherFi |
|---|---|---|
| Overall rank | #22 of 27 | #2 of 27 |
| FX spread | 0% | 1% |
| Base cashback | 5% cashback | 3% instant |
| Custody | Self-Custodial | Non-Custodial |
| Virtual card | Free | First free, $10 for additional |
| Physical card | €30 | $50 (metal unlocked on higher VIP tiers) |
| Spend limit | €5,000 per transaction / €8,000 daily | Up to $30,000/day on the free Core tier |
| ATM withdrawals | 5 free ATM withdrawals per month or up to €200 | $250/day limit, 2% flat fee, no free tier |
| Setup time | 20 minutes | ~8 minutes |
| KYC steps | 3 | 5 |
| Score | 6/10 | 9.2/10 |
Gnosis App
Gnosis Pay is arguably the most secure and technically advanced self-custodial card available, backed by one of the most respected teams in the sector. Self-custody plus a 0% FX fee is a rare combination. Standard KYC still applies and availability is limited to the EU and Argentina.
EtherFi
EtherFi charges a 0.51% spread when you swipe in a foreign currency, but the instant 3% cashback more than neutralises it. Net cost on the benchmark purchase came to $1.45, below the mid-market value of the same basket. Stay under the $2,000 monthly cap and the card pays you to spend.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+