Bitwala Card vs Coinbase Card
Crypto native
Crypto native
Verdict
- Bitwala Card scores higher overall (7.0 vs 5.9 out of 10).
- Bitwala Card is clearly stronger on: Availability.
- Coinbase Card is clearly stronger on: Fees, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- Stablecoin holders
Stronger on: Availability
Coinbase Card is a good fit for
- Stablecoin holders
Stronger on: Fees, Product features
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitwala Card | Coinbase Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | 3 |
| FX & international | – | – |
| Product features | 58 | 70 |
| Custody & security | 70 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.6 | n/a |
| Best for DeFi Users | 6.2 | 6.7 |
| Best for Stablecoins | 6.8 | 7.3 |
| Best for Low Fees | 7.6 | 8.0 |
| Best for Beginners | 7.9 | 7.1 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Pathward, N.A. (program powered by Marqeta)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Coinbase charges a spread when buying, selling or converting cryptoShow source
Cashback & rewards
Cashback type
CryptoShow source
Cashback conditions
Rewards are optional and the rate is variable · Rewards only for US card usersShow source
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesShow source
Availability
Available in
EEAShow source
United StatesConditions apply: tap or hover for detailsShow source
Excluding Hawaii
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC
Spendable assets
BTC · ETH · USDC · EURShow source
Security & custody
Regulation / licences
Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.Show source
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- Net annual valuenot enough data
Coinbase Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers