ether.fi Cash - Luxe CardvsGnosis Pay - Prime 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 |  Third National Bank 7.7/10 Get card |  Gnosis Safe / Monerium 7.1/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 7.7/10 | 7.1/10 |
| Costs | ||
| Annual fee | Best None | $30.23 |
| FX fee | 1% | Best 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Best Free | $33 |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | 3.5%–3% cashback | Best 2%–4% cashback |
| Payout token | ETHFI | GNO |
| Staking | $10,000 liquid deposit | 10 GNO |
| Perks | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP | Apple & Google Pay · 0% FX & 0% Gas · Personal On-Chain IBAN |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Self-custody |
| Countries | 25 (85+ countries (Global)) | Best 33 (EEA, UK & Brazil (33+ countries)) |
| Max daily spend | Best $25,000 | $8,500 |
| Monthly ATM limit | $750 | Best $15,000 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Best Ethereum, Arbitrum, Base | Gnosis, Ethereum |
| Top-up tokens | USDC, ETH, USDT | EURe, USDC, ETH |
| Issuer | Third National Bank | Gnosis Safe / Monerium |
| Network | Visa | Visa |
The quick verdict
Gnosis Pay - Prime Card pays the highest headline cashback at 4%, but check the staking requirement: 10 gno.
Gnosis Pay - Prime Card is the cheaper travel card at 0% FX, while ether.fi Cash - Luxe Card wins on annual cost at $0.
Both cards are available in 25 and 33 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- 3% base cashback from Day 1 with no staking required on Core
- Borrow against yield-bearing restaked ETH/USDC vaults
- True on-chain Safe smart contract self-custody with personal EUR/GBP IBAN
- 0% FX fees, 0% transaction fees and 0% gas
ether.fi Cash - Luxe Card vs Gnosis Pay - Prime Card — FAQ
Which is better, ether.fi Cash - Luxe Card or Gnosis Pay - Prime Card?+
ether.fi Cash - Luxe Card has the higher editor score. ether.fi Cash - Luxe Card pays 3.5%–3% cashback with 1% FX, while Gnosis Pay - Prime Card pays 2%–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, ether.fi Cash - Luxe Card or Gnosis Pay - Prime Card?+
ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% FX. Gnosis Pay - Prime 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 ether.fi Cash - Luxe Card and Gnosis Pay - Prime 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.