Choosing a crypto card in 2025 means comparing not only networks and design, but real spending costs, FX fees, cashback models, and custody structures. Bleap and Gnosis Pay take very different approaches: Bleap focuses on zero fees and predictable USDC cashback, while Gnosis Pay applies a stabilisation fee but offers a GNO-based cashback program. This article compares both cards in detail to help you choose the one that delivers better value in everyday life.
Bleap offers a zero-fee model with 2% real cashback in USDC and free ATM withdrawals up to β¬400/month. Gnosis Pay introduces a 1.5% stabilisation fee on every transaction but provides a tiered cashback program of 1%β4% (plus +1% for OG NFT holders) paid in GNO and based on the amount of GNO held in the userβs Safe. Cashback is delivered weekly via airdrop and fluctuates with GNOβs market price. For most users, Bleap offers clearer, more predictable value, especially for everyday spending and travel.
Gnosis Pay is a Visa debit card connected to a Safe-based smart account that allows users to spend assets directly from their on-chain wallet. The card integrates with Apple Pay and Google Pay and is well aligned with the broader Gnosis ecosystem. A key feature is its tiered cashback program: users can earn between 1% and 4% cashback depending on how much GNO they hold in their Safe, with OG NFT holders receiving an additional 1% boost. Cashback is paid weekly in GNO, and the system is clearly built to reward users who are already active participants in the Gnosis environment.
It is a respectable and well-designed product, especially for committed GNO holders, but Bleap stands out by offering a simpler and more predictable model. With zero fees, 2% cashback in stable USDC (no token exposure required), a non-custodial MPC wallet, and global Mastercard coverage, Bleap delivers consistent value without the need to lock GNO or manage fluctuating reward tiers. For everyday users who want a reliable and transparent spending experience, Bleap ultimately provides a smoother and more accessible alternative.
Bleap provides a non-custodial Mastercard with 2% cashback in USDC, zero fees, and free monthly ATM withdrawals. Gnosis Pay is built around a token-dependent rewards model and applies a stabilisation fee to every purchase. The user experience differs significantly: Bleap focuses on simplicity and transparency, while Gnosis Pay offers deeper ecosystem integration at the cost of complexity and token exposure.
Bleap eliminates FX fees, conversion costs, spreads, and hidden transaction charges. Users always spend exactly what they see and receive their cashback in USDC without delay.
Gnosis Pay charges a 1.5% stabilisation fee on every purchase. This fee applies whether you spend locally or internationally and is deducted independently from the cashback program. For users in lower cashback tiers, the 1.5% cost typically outweighs rewards.
Gnosis Payβs cashback program is built around GNO holdings. Users earn between 1% and 4%, depending on the amount of GNO in their Safe. OG NFT holders receive an additional +1%, enabling a theoretical maximum of 5%.
Cashback is paid in GNO, not stablecoins, and is delivered weekly through an on-chain airdrop. This means cashback value fluctuates with market conditions. The program requires commitment: reducing your GNO balance lowers your cashback tier.
While high-tier users holding substantial amounts of GNO may achieve positive returns even after the 1.5% stabilisation fee, lower tiers (1%β2%) often result in net losses.
To illustrate how the fee and cashback interact, consider a user spending β¬1,000 per month:
Bleap
Gnosis Pay β 1% tier
Gnosis Pay β 3% tie
Gnosis Pay β 4% + OG NFT boost (5% tier)
For the average user, Bleap consistently provides positive value with no complexity or market exposure.
Bleap and Gnosis Pay offer comparable daily spending limits, but their ATM structures differ sharply. Bleap provides β¬400 of ATM withdrawals each month without fees. Gnosis Pay restricts free withdrawals to either five per month or β¬200, whichever comes first. Additional withdrawals incur a 2% charge. This difference makes Bleap more appealing for travellers or users who occasionally rely on cash.
Bleap supports major stablecoins such as USDC, USDT, EURA, and USDA across eight different chains, with access to thousands of tokens. This makes it suitable for users with diversified crypto holdings. Gnosis Pay focuses on assets held within Safe, providing a technical but more limited asset flexibility.
Bleap offers a straightforward onboarding flow: create an account, complete a simple verification, and receive an instant virtual Mastercard. The physical card is shipped free of charge.
Gnosis Pay requires users to connect or create a Safe and then top it up with GNO to participate in cashback tiers. While this is intuitive for Gnosis ecosystem users, it introduces additional friction for beginners.
Bleapβs zero-fee model, direct access to Mastercard FX rates, and free ATM withdrawals make it highly efficient for international travel. Gnosis Payβs stabilisation fee applies regardless of location, resulting in higher costs abroad. Its ATM restrictions also limit usability during trips.
The volatility of GNO and the fee structure mean that Bleapβs returns are more predictable and stable.
Bleap uses MPC non-custodial technology, allowing users to remain in full control of funds. Assets stay in the userβs wallet until the moment of spending. Gnosis Pay relies on Safe, a widely respected smart-account system, but its structure is more complex and not fully non-custodial from a day-to-day perspective.
Bleap suits users who want clarity: zero fees, real stablecoin cashback, non-custodial security, and global Mastercard acceptance. It is ideal for daily spending, travel, and beginners.
Gnosis Pay appeals more to GNO holders and Safe users who want to deepen their involvement in the Gnosis ecosystem, accept token volatility, and potentially earn higher cashback rates through GNO exposure.
Gnosis Pay offers a creative integration of Safe smart-accounts with a Visa card and a token-based rewards system. However, its stabilisation fee, cashback volatility, and the requirement to lock GNO reduce its accessibility for everyday users.
Bleap provides a simpler, more transparent, and more valuable experience: 2% cashback in USDC, zero fees, free ATM withdrawals, and full non-custodial control. For most users seeking a reliable, cost-efficient crypto card, Bleap remains the better choice in 2025.
Yes. Cashback ranges from 1% to 4% depending on how much GNO you hold in your Safe, with OG NFT holders receiving an additional 1%.
Cashback is paid in GNO and delivered weekly through airdrop.
Yes. A 1.5% stabilisation fee applies to every transaction.
Bleap. It charges no fees and provides consistent 2% USDC cashback.
Bleap, due to its simplicity and zero-fee structure.
Gnosis Payβs cashback program is powerful for GNO holders but introduces uncertainty and requires ongoing token exposure. Bleap delivers a fee-free experience with real stablecoin rewards, predictable value, and non-custodial control. For most users, Bleap offers the most trustworthy and cost-effective solution for daily crypto spending.
Get your free Bleap Mastercard and start earning 2% cashback β
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