Ethena Pay: $30.00Gnosis Pay: $0.00on $1,000/mo abroad
Ethena Pay vs Gnosis Pay
Arithmetic on published base numbers, $1,000 of non-USD spend a month: Ethena Pay 4% back minus 1% FX = $30.00; Gnosis Pay 0% back minus 0% FX = $0.00. Caps, plan fees and payout rules are not in this number, see the rows below.
Cashback (base)4%0%
FX on non-USD1%0%
Cashback limits4% on first $2,500/mo, 1% to $4,000, 0% above; under $1 nothingcashback programme ended 30 Sep 2026
Costfreecard stops working 20 Dec 2026
Payoutpaid in AVAX daily; under $1 purchases earn nothingnot stated
RegionsAbout 50 countries (not US, EU, UK, Russia)EEA
Annual feeFreeFree
ATM$1 + 0.65%2% after 5 free / 200/mo
Sourceissuer help centerissuer help center
Base tier numbers. Higher tiers on each fee sheet: Ethena Pay, Gnosis Pay.
Questions answered
Which pays more cashback, Ethena Pay or Gnosis Pay?
Ethena Pay pays 4% on the base tier, Gnosis Pay pays 0%. Limits: Ethena Pay 4% on first $2,500/mo, 1% to $4,000, 0% above; under $1 nothing; Gnosis Pay cashback programme ended 30 Sep 2026.
Which has lower FX fees, Ethena Pay or Gnosis Pay?
Ethena Pay charges 1% on non-USD purchases, Gnosis Pay charges 0%. Published fees only, no receipt data for this pair yet.
Can I get both Ethena Pay and Gnosis Pay where I live?
Ethena Pay: About 50 countries (not US, EU, UK, Russia). Gnosis Pay: EEA.