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As of September 3, 2026, Gnosis Pay’s Intermediary Cashback Programme links GNO held in the Card Safe to both the cashback rate and maximum weekly reward-eligible spending. Published reference points run from 0.1 GNO at 1% base cashback and a $250 weekly cap to 100 GNO at 4% and a $1,250 cap. The programme is scheduled through September 30, 2026.
Key Takeaways
- Cashback ranges from 1% to 4%, or up to 5% with an eligible OG NFT.
- Weekly reward-eligible spending caps range from $250 to $1,250.
- Your lowest GNO balance from Sunday to Saturday determines your rewards.
- The cashback cap is separate from the card’s daily spending limit.
- The current programme is scheduled through September 30, 2026.
Gnosis Pay Rewards at a Glance
Gnosis Pay offers up to 4% base cashback, or up to 5% with the OG NFT bonus, under the Intermediary Cashback Programme.
| GNO held | Base rate | Rate with OG NFT | Weekly eligible-spend cap | Maximum weekly base reward | Maximum with OG |
|---|---|---|---|---|---|
| 0.1 GNO | 1% | 2% | $250 | $2.50 | $5 |
| 1 GNO | 2% | 3% | $375 | $7.50 | $11.25 |
| 10 GNO | 3% | 4% | $500 | $15 | $20 |
| 100 GNO | 4% | 5% | $1,250 | $50 | $62.50 |
These are the four published threshold/reference points shown by Gnosis Pay, not four rigid bands for every balance. The official page says both the cashback rate and eligible-spend cap scale linearly between them, so unpublished intermediate values are not calculated here.
Gnosis Pay Rewards Tiers and GNO Holding Requirements
The GNO balance in the Gnosis Pay Card Safe affects both the cashback rate and maximum weekly eligible spending. An OG NFT adds 1 percentage point to the applicable rate when the Safe also holds at least 0.1 GNO.
0.1 GNO Tier
At 0.1 GNO, the published base rate is 1% and the weekly eligible-spend cap is $250. Using the full cap produces up to $2.50 base cashback or $5 with the 2% OG NFT rate.
1 GNO Tier
At 1 GNO, the base rate is 2% and the eligible-spend cap is $375. Maximum weekly cashback is $7.50 base or $11.25 with the 3% OG NFT rate.
10 GNO Tier
At 10 GNO, the base rate is 3% and the weekly cap is $500. Using the full cap produces up to $15 base cashback or $20 with the 4% OG NFT rate.
100 GNO Tier
At 100 GNO, the published rate is 4% with a $1,250 weekly eligible-spend cap. Maximum weekly cashback is $50 base or $62.50 at 5% with the OG NFT.
How the Weekly Spending Cap Works
The weekly spending cap is a cashback-eligibility limit, not a general card spending limit. It controls how much qualifying spending can earn rewards in one reward week.
At the 10 GNO reference point, for example, only the first $500 of eligible weekly spending can earn cashback. Additional purchases may still be valid card transactions but do not increase that week’s reward.
When the Cap Resets
The eligible-spend cap resets every Sunday at 00:00 UTC under the current programme rules.
What Happens After You Reach the Cap
After eligible spending reaches the applicable weekly cap, further eligible purchases stop generating additional cashback for that reward week. Reaching the rewards cap does not block the card itself.
Does Unused Spending Allowance Roll Over?
No. Unused eligible-spend allowance expires when the reward week ends.
If the cap is $500 and only $300 of eligible spending clears, the unused $200 does not increase the next week’s cap.
Gnosis Pay Spending Cap vs Daily Card Spending Limit
The $250 to $1,250 rewards figures are weekly cashback-eligible spending caps. They determine how much spending can earn rewards; they do not limit total card spending.
Separately, Gnosis Pay lists a card limit of 8,000 EURe/GBPe/USDCe over a rolling 24-hour period and 5,000 EURe/GBPe/USDCe per transaction in its card fees and limits guide.
A user can therefore exceed the weekly cashback cap while remaining within the card’s transaction limits. The extra spending may still go through, but it will not generate additional cashback for that reward week.
How GNO Holdings Are Measured
The lowest GNO balance during the Sunday-to-Saturday measurement period governs the applicable cashback rate and eligible-spend cap. The balance at payout time alone does not determine the week’s reward.
The Lowest-Balance Rule
If the GNO balance drops during the week, that lower balance can reduce the rate and cap applied to the reward week. Restoring the balance later does not erase the earlier low point.
Sunday-to-Saturday Snapshot
The measurement period runs from Sunday through Saturday in UTC. Gnosis Pay uses the lowest GNO balance observed during that period, while its rewards API documentation exposes the resulting reward information such as the applicable cashback rate.
Transaction Date vs Clearing Date
The clearing date, not the purchase authorization date, determines which reward week a payment belongs to. A purchase authorized on Saturday can therefore count toward the next week if it clears on Sunday or later.
That timing affects which weekly cap applies and when the reward is paid, as described in the cashback programme guide.
How Much Cashback Can You Actually Earn?
At the four published reference points, maximum weekly base cashback is $2.50 at 0.1 GNO, $7.50 at 1 GNO, $15 at 10 GNO, and $50 at 100 GNO. With an eligible OG NFT, the maximums are $5, $11.25, $20, and $62.50.
These figures require enough eligible spending to clear within the reward week and use the full applicable cap. Holding GNO alone does not generate cashback.
Which Gnosis Pay Tier Is Best for Your Spending?
The practical fit depends on how much eligible card spending you make each week. A higher GNO balance increases the published rate and cap, but that added capacity has little value if your spending does not use it.
Light Spender
For someone spending about $250 or less per week on eligible purchases, the 0.1 GNO reference point already covers that spending level. Holding substantially more GNO only to unlock a larger cap may offer limited benefit if spending rarely exceeds $250.
Moderate Spender
At 1 GNO, the published cap is $375 with a 2% base rate; at 10 GNO, it is $500 with a 3% base rate. These reference points better match users whose eligible weekly spending regularly exceeds $250 but remains around the mid-hundreds.
Because rates and caps scale linearly between the published points, users with intermediate balances should rely on the official calculation rather than assume four fixed bands.
Heavy Spender
Users regularly spending $500 or more per week can make greater use of higher caps. The 100 GNO reference point allows up to $1,250 of weekly eligible spending to earn 4% base cashback or 5% with the OG NFT.
Spending above $1,250 in that reward week does not generate additional cashback at this reference point.
Is the 100 GNO Tier Worth It?
At 100 GNO, using the full $1,250 cap produces up to $50 base cashback or $62.50 with an eligible OG NFT.
Whether that trade-off makes sense depends on how much of the cap is actually used and the cost of maintaining 100 GNO in the Card Safe. The extra reward capacity should be weighed against GNO price exposure and the opportunity cost of allocating that amount of GNO to the programme.
How the OG NFT Bonus Works
An eligible OG NFT adds 1 percentage point to the applicable cashback rate: a 3% base rate becomes 4%, not 3.03%.
The Card Safe must hold the OG NFT and at least 0.1 GNO. The bonus changes the rate but does not remove the weekly eligible-spend cap; full conditions appear in the programme terms.
Which Transactions Do Not Earn Cashback?
Not every card transaction qualifies. Exclusions can include cash-like transactions, card or account funding, transfers or self-payments, refunds or reversals, and transactions under excluded merchant category codes.
The official exclusion list in the current programme terms governs eligibility and may change.
How and When Rewards Are Paid
Cashback is paid weekly in GNO to the Gnosis Pay Card Safe, normally on the following Thursday. The clearing date controls the reward week, not the purchase authorization date.
A Saturday purchase that clears on Sunday can therefore move into the next reward week and payout cycle. Gnosis Pay outlines this process in its cashback programme guide.
What Changed from the Original GIP-110 Programme?
The original GIP-110 programme has ended. It used a flat maximum eligible weekly spend of €5,000, £4,500 or $5,500 and was funded by the Gnosis DAO.
The current Intermediary Cashback Programme instead uses tiered or scaling cashback rates and eligible-spend caps tied to GNO holdings in the Card Safe. It is funded by Gnosis Ltd., not the DAO. The previous structure is documented on the GIP-110 programme page.
Risks and Costs to Consider
The Intermediary Cashback Programme is scheduled through September 30, 2026, so its rates, caps and eligibility rules should not be treated as permanent.
Holding additional GNO creates token price exposure and opportunity cost. Rewards are also paid in GNO, so their value can change after payout, while programme rules, exclusions and reward mechanics may change after the current scheduled end date.
Frequently Asked Questions
What is the maximum amount of cashback I can earn on Gnosis Pay?
At the 100 GNO reference point, the maximum published weekly reward is $50 at the 4% base rate or $62.50 with the 5% OG NFT rate. This requires $1,250 of eligible spending to clear within the reward week.
What is Gnosis Pay?
Gnosis Pay is a self-custodial crypto payment and card platform that lets users spend supported digital assets through payment-card infrastructure. It is not a bank.
What is Gnosis crypto?
GNO is the governance and staking token of the Gnosis ecosystem. In the current Gnosis Pay rewards programme, GNO held in the Card Safe helps determine the cashback rate and weekly eligible-spend cap.
Bottom Line
As of September 3, 2026, Gnosis Pay rewards are best evaluated by matching GNO holdings to real weekly eligible spending, not by chasing the highest rate. The key constraints are the scaling $250–$1,250 published reference caps, the lowest-balance rule and clearing-date timing. Because the programme is scheduled through September 30, 2026, users should check the latest official terms before relying on these conditions.
