Result: Tie
It's a tie 2–2 — each card wins something the other loses. Gnosis Pay converts cheaper (0.0%); CinCin needs less verification; CinCin issues instantly. Pick the one whose strength matches how you actually spend.
On paper CinCin and Gnosis Pay look like rivals, but their coverage hardly overlaps, so for most people only one is reachable. On conversion cost Gnosis Pay is clearly ahead at 0.0%; CinCin takes 1–3%, which compounds fast if the card is your daily spender. Expect Gnosis Pay to ask for documents before issuing; CinCin is the faster path if you would rather not hand them over. Gnosis Pay only settles from stablecoins (EURe, GBPe), while CinCin also accepts Crypto (auto-convert) — useful if you would rather not convert first.
0.0% vs 1–3%
Both offer —
Partial KYC vs Full KYC
2 regions vs 1
Lower conversion cost (0.0%) on every purchase.
Partial KYC versus Full.
Instant issuance, no shipping wait.
Virtual/Physical card covering EU, UK.
Settles directly from EURe, GBPe.
Only CinCin is available in US.
Only CinCin is available in LATAM.
It's a tie 2–2 — each card wins something the other loses. Gnosis Pay converts cheaper (0.0%); CinCin needs less verification; CinCin issues instantly. Pick the one whose strength matches how you actually spend.
In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.
Yes. Many users keep Gnosis Pay for everyday spending because of its lower conversion cost and CinCin for categories where its rewards apply.
Yes. Gnosis Pay converts at 0.0% against 1–3%, a difference of about $20.00 per $1,000 spent.
CinCin: Partial KYC. Gnosis Pay: Full KYC.
See every card side by side with full specs and filters.
Compare All CardsNews & Articles
Fresh guides and reviews from the CryptoCardIndex desk