Gnosis Pay Card vs CL Card
Gnosis Pay Card scores 12/16, CL Card scores 9/16 on the CBL Card Score. Here is every criterion side by side.
 Gnosis Pay Card |  CL Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 0 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 2 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 12 | 9 |
The short verdict: Gnosis Pay Card leads overall (12 to 9). Self-custodial Safe on Gnosis Chain, 0% from Gnosis Pay; Visa rate applies FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Gnosis Pay Card | Ended. The GNO cashback programme closed on 30 Sep 2026 across partners (official, "Is Gnosis Pay shutting down?" help article). Before that: 1% with 0.1 GNO held, 2% with 1 GNO, 3% with 10 GNO, 4% with 100 GNO, plus 1% for OG NFT holders up to 5%, with weekly caps from $250 to $1,250 (third-party: SpendNode, 26 Sep 2026). |
| CL Card | 1% in BTC or USDT outside the US, 1% in BTC or USDC in the US, paid monthly on the month's total card transactions, "No staking required" (official, ledger-card page and shop.ledger.com, checked 20 Oct 2026). The ledger-card hero still shows "2% in BXX", the older Baanx token reward (official; third-party: Blockworks, 24 Nov 2022). |
Cashback is shown as a dated fact and never scored.