Coinbase Card vs Picnic Card
Crypto native
Crypto native
Verdict
- Coinbase Card and Picnic Card have the same overall score (5.9/10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase Card is a good fit for
- Stablecoin holders
Picnic Card is a good fit for
- People who want to keep control of their keys
★ 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 | Coinbase Card | Picnic Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | 3 | 3 |
| FX & international | – | – |
| Product features | 70 | – |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | 6.7 | 6.9 |
| Best for Stablecoins | 7.3 | n/a |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 7.1 | 6.6 |
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
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Card issuer / program manager
Pathward, N.A. (program powered by Marqeta)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
FreeShow source
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
Other fees & markups
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
Spend own balance directly
YesShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding Hawaii
BrazilShow source
Features
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC
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
Coinbase Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Picnic 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