Coinbase One Card vs Nexo Card
Crypto native
Crypto native
Verdict
- Nexo Card scores higher overall (6.1 vs 5.3 out of 10).
- Coinbase One Card is clearly stronger on: FX & international.
- Nexo Card is clearly stronger on: Availability, Credit & financing.
- 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: FX & international
Nexo Card is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability, Credit & financing
Score by criterion
| Criterion | Coinbase One Card | Nexo Card |
|---|---|---|
| Fees | 91 | 100 |
| Cashback & rewards | 16 | 8 |
| Availability | 3 | 100 |
| FX & international | 100 | 20 |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | 70 | 85 |
| Limits & ATM | – | 80 |
| Transparency | 93 | 86 |
| Best for Cashback | 3.9 | 4.3 |
| Best for Travel | 6.8 | 5.4 |
| Best for DeFi Users | 5.7 | 5.5 |
| Best for High Spenders | 5.4 | 4.5 |
| Best for Low Fees | 8.8 | 7.5 |
| Best for Beginners | 5.6 | 7.1 |
| Best Crypto Credit Card | 6.5 | 7.2 |
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: Crypto Debit & Credit Card (EEA)
Official product page (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%
Crypto-backed credit, Debit card*Show source
Card type: Crypto-backed credit, Debit card
Switch mode per payment
Source states (paraphrased): Dual-mode card: Credit Mode (borrow against crypto) and Debit Mode (spend crypto directly).
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Switch mode per payment
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
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
ATM fee
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the free monthly allowance
Free ATM allowance
€2,000/month*Show source
Free ATM allowance: €2,000/month
Up to; top loyalty tier, lower tiers get less
Source states (paraphrased): Top tier: free ATM withdrawals up to €2,000 / £1,800 per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; top loyalty tier, lower tiers get less
Other fees & markups
Weekend FX surcharge on top of weekday FX ratesShow source
Other fees & markups: Weekend FX surcharge on top of weekday FX rates
Source states (paraphrased): Higher FX rates apply on weekends.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
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
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; Credit Mode only, depends on loyalty tier
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%
NEXO or BTCShow source
Cashback paid in: NEXO or BTC
Source states (paraphrased): Cashback paid in NEXO Tokens or Bitcoin.
Source: Crypto Debit & Credit Card (EEA)
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%
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (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%
Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Digital-asset balance required to earn cashback
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
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
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%
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit Mode
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
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
EEA, United Kingdom, Argentina*Show source
Available in: EEA, United Kingdom, Argentina
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
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
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 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