Crypto.com Visa - Ruby Steel CardvsGnosis Pay - Standard Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Foris DAX Asia 7.1/10 Get card |  Gnosis Safe / Monerium 6.4/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 7.1/10 | 6.4/10 |
| Costs | ||
| Annual fee | Best None | $30.23 |
| FX fee | 0.5% | Best 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Best Free | $33 |
| ATM fee | Best 0% | 2% |
| Rewards | ||
| Max cashback | 2% cashback | Best 1%–4% cashback |
| Payout token | CRO | GNO |
| Staking | $500 CRO | $0 |
| Perks | Up to 5% CRO cashback · Airport lounges · Spotify & Netflix rebates | Apple & Google Pay · 0% FX & 0% Gas · Personal On-Chain IBAN |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Countries | Best 80 (Global (100+ countries)) | 33 (EEA, UK & Brazil (33+ countries)) |
| Max daily spend | Best $20,000 | $8,500 |
| Monthly ATM limit | $3,000 | Best $15,000 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Best Ethereum, Cronos, Solana, Bitcoin | Gnosis, Ethereum |
| Top-up tokens | Best BTC, ETH, USDT, USDC, CRO +1 | EURe, USDC, ETH |
| Issuer | Foris DAX Asia | Gnosis Safe / Monerium |
| Network | Visa | Visa |
The quick verdict
Gnosis Pay - Standard Card pays the highest headline cashback at 4%, but check the staking requirement: $0.
Gnosis Pay - Standard Card is the cheaper travel card at 0% FX, while Crypto.com Visa - Ruby Steel Card wins on annual cost at $0.
Both cards are available in 80 and 33 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- Mature app, card and support ecosystem
- Lounge access and streaming rebates at mid tiers
- True on-chain Safe smart contract self-custody with personal EUR/GBP IBAN
- 0% FX fees, 0% transaction fees and 0% gas
Crypto.com Visa - Ruby Steel Card vs Gnosis Pay - Standard Card — FAQ
Which is better, Crypto.com Visa - Ruby Steel Card or Gnosis Pay - Standard Card?+
Crypto.com Visa - Ruby Steel Card has the higher editor score. Crypto.com Visa - Ruby Steel Card pays 2% cashback with 0.5% FX, while Gnosis Pay - Standard Card pays 1%–4% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Crypto.com Visa - Ruby Steel Card or Gnosis Pay - Standard Card?+
Crypto.com Visa - Ruby Steel Card has a no annual fee annual fee, 0% top-up fee and 0.5% FX. Gnosis Pay - Standard Card has a $30.23 annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Crypto.com Visa - Ruby Steel Card and Gnosis Pay - Standard Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.