Coinbase One Card vs DeCard Luminaries
Crypto native
Crypto native
Verdict
- Coinbase One Card and DeCard Luminaries have the same overall score (6.0/10).
- Coinbase One Card is clearly stronger on: Fees, Credit & financing.
- DeCard Luminaries is clearly stronger on: Availability.
- 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
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Fees, Credit & financing
DeCard Luminaries is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Availability
★ 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 One Card | DeCard Luminaries |
|---|---|---|
| Fees | 91 | 65 |
| Cashback & rewards | 47 | 40 |
| Availability | 3 | 27 |
| FX & international | 100 | 100 |
| Product features | – | 90 |
| Custody & security | 60 | – |
| Credit & financing | 70 | 55 |
| Limits & ATM | – | 55 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 5.2 |
| Best for Travel | 7.1 | 7.4 |
| Best for DeFi Users | 6.7 | 6.0 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 6.7 | 6.2 |
| Best for Low Fees | 8.9 | 7.8 |
| Best for Beginners | 6.2 | 6.9 |
| Best Crypto Credit Card | 7.2 | 5.8 |
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
Credit cardShow source
Network
American ExpressShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
DCSShow source
Tiers / plans
DeCard · DeCard LuminariesShow source
Fees
Annual fee
$49.99/yearConditions apply: tap or hover for detailsShow source
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
$388/yearConditions apply: tap or hover for detailsShow source
Luminaries, charged in SGD; DeCard One has no annual fee
Physical card fee
$100Conditions apply: tap or hover for detailsShow source
DeCard Luminaries; base DeCard USD card is US$10; delivery fee varies by market and is charged separately
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Luminaries; virtual card issuance
Replacement fee
$100Conditions apply: tap or hover for detailsShow source
Luminaries physical card; virtual card replacement US$0; delivery fee charged separately
FX fee
0%Show source
0%Conditions apply: tap or hover for detailsShow source
Luminaries
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup, as per market rate
ATM fee
1% (min. $5)Conditions apply: tap or hover for detailsShow source
1% of withdrawal or US$5 whichever is greater, plus ATM operator charges (Luminaries)
Other fees & markups
Late payment charge US$50 if the minimum payment is not received by the due date · Delivery fee for physical card varies by marketConditions apply: tap or hover for detailsShow source
DeCard Luminaries
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
10%Show source
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
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
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
YesShow source
Credit type
Revolving creditShow source
Interest (APR)
28%Conditions apply: tap or hover for detailsShow source
Per annum on total indebtedness excluding cash advance principal; waived if closing balance on current and previous statements is paid in full by due date; minimum interest US$3 per month; same for all three cards
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
Singapore, Australia, Japan, South Korea, Malaysia, Philippines, TW, Thailand, VietnamConditions apply: tap or hover for detailsShow source
Individuals residing in these countries (DeCard)
Account / spend currencies
SGDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Stainless steel card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Two complimentary DragonPass visits
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
YesConditions apply: tap or hover for detailsShow source
Travel accident up to US$1 million; airfare charged to card
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Amex network benefits: retail protection, extended warranty, return protection
Spendable assets
USDT · USDCConditions apply: tap or hover for detailsShow source
Luminaries repayment/prepayment
Annual cost at 1,500 EUR/month
Coinbase One Card
- Annual & monthly fees−45 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
DeCard Luminaries
- Annual & monthly fees−347 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−54 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers