Coinbase One Card vs Curve Pay
Crypto native
E-money / FinTech
Verdict
- Coinbase One Card scores higher overall (5.3 vs 4.8 out of 10).
- Coinbase One Card is clearly stronger on: Cashback & rewards, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase One Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Curve Pay is a good fit for
- No specific audience can be derived from the published data yet.
Score by criterion
| Criterion | Coinbase One Card | Curve Pay |
|---|---|---|
| Fees | 91 | 100 |
| Cashback & rewards | 16 | 3 |
| Availability | 3 | – |
| FX & international | 100 | 0 |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | 70 | – |
| Limits & ATM | – | 60 |
| Transparency | 93 | 86 |
| Best for Cashback | 3.9 | 3.4 |
| Best for Travel | 6.8 | 3.9 |
| Best for DeFi Users | 5.7 | n/a |
| Best for High Spenders | 5.4 | 3.4 |
| Best for Low Fees | 8.8 | 6.7 |
| Best for Beginners | 5.6 | 6.3 |
| Best Crypto Credit Card | 6.5 | n/a |
| Best E-Money Card | n/a | 5.6 |
Product
Product status
ActiveShow source
Product status: Active
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Credit cardShow source
Card type: Credit card
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): Fees charged on top of the Mastercard rate.
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Curve Pay (free) · Curve Pay X £5.99/mo · Curve Pay Pro £9.99/mo · Curve Pay Pro+ £17.99/moShow source
Tiers / plans: Curve Pay (free) · Curve Pay X £5.99/mo · Curve Pay Pro £9.99/mo · Curve Pay Pro+ £17.99/mo
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
$49.99/year*Show source
Annual fee: $49.99/year
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
Source states (paraphrased): Exclusively available to Coinbase One members starting with the $49.99 annual plan; no annual fee for members.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
Monthly fee
Free*Show source
Monthly fee: Free
Curve Pay (free plan)
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Curve Pay (free plan)
FX fee
0%Show source
FX fee: 0%
Source states (paraphrased): No foreign transaction fees.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
2.99%*Show source
FX fee: 2.99%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
ATM fee
2% (min. £2)*Show source
ATM fee: 2% (min. £2)
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Other fees & markups
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow source
Other fees & markups: +1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowance
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
Free plan
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan
Max cashback
4%*Show source
Max cashback: 4%
Up to; tier depends on average Coinbase balance
Source states (paraphrased): Up to 4% bitcoin back on every purchase.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; tier depends on average Coinbase balance
1%*Show source
Max cashback: 1%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback paid in
BTCShow source
Cashback paid in: BTC
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FiatShow source
Cashback type: Fiat
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment ChargeShow source
Cashback conditions: Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment Charge
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Subject to credit approval
Source states (paraphrased): Eligibility depends on creditworthiness; approval shows a credit limit.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Subject to credit approval
Credit type
Revolving creditShow source
Credit type: Revolving credit
Source states (paraphrased): Rewards terms refer to the minimum payment due.
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Excluding US territories
Source states (paraphrased): Available only within the United States, excluding U.S. territories.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Excluding US territories
Annual cost at 1,500 EUR/month
Coinbase One Card
- Annual & monthly fees−43 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−28 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers