Ether.fi Cash vs Gnosis Pay: Which Crypto Card is Better in 2026?

Choosing between Ether.fi Cash and Gnosis Pay? Both are popular crypto cards with distinct advantages. Here's a detailed breakdown to help you decide.

Quick Comparison

Cashback & Rewards

Ether.fi Cash offers 4.08% cashback paid in ETHFI, while Gnosis Pay provides 1-5% cashback in GNO.

The Ether.fi Cash wins on raw cashback percentage, though the value of the reward token matters too.

Fees & Costs

• Ether.fi Cash: $0 annual fee, 0% FX fee
• Gnosis Pay: €30 issuance annual fee, ~1.5% FX fee

Custody & Security

Ether.fi Cash is Non-Custodial — you keep control of your keys.

Gnosis Pay is Non-Custodial — you maintain full custody.

Blockchain & Ecosystem

Ether.fi Cash runs on Scroll, while Gnosis Pay uses Gnosis. If you're already active on one of these chains, that might tip the decision.

Key Features

Ether.fi Cash

• Borrow vs stake
• DeFi credit
• Liquid vaults
• No selling

Gnosis Pay

• Safe wallet
• SEPA/IBAN
• Multi-sig
• Tiered cashback

Verdict: Which Should You Choose?

Choose Ether.fi Cash if: You prefer non-custodial custody, want exposure to Scroll, or value borrow vs stake.

Choose Gnosis Pay if: You prefer non-custodial custody, are active on Gnosis, or want safe wallet.