Coinbase One Card vs Rizon Card
Crypto native
Crypto native
Verdict
- Rizon Card scores higher overall (6.6 vs 6.0 out of 10).
- Coinbase One Card is clearly stronger on: FX & international.
- Rizon Card is clearly stronger on: Custody & security.
- 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: FX & international
Rizon Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Custody & security
★ 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 | Rizon Card |
|---|---|---|
| Fees | 91 | 100 |
| Cashback & rewards | 47 | 51 |
| Availability | 3 | – |
| FX & international | 100 | 32 |
| Product features | – | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 6.2 |
| Best for Travel | 7.1 | 5.6 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | 6.7 | 7.0 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 6.7 | 5.9 |
| Best for Low Fees | 8.9 | 7.6 |
| Best for Beginners | 6.2 | 7.8 |
| Best Crypto Credit Card | 7.2 | n/a |
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
Debit cardShow source
Network
American ExpressShow source
VisaConditions apply: tap or hover for detailsShow source
Visa Platinum
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyConditions apply: tap or hover for detailsShow source
Wallet powered by Privy; private keys stay with the user
Card issuer / program manager
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
Signify Holdings Inc. and Nimbus LLC (Rain)Show source
Tiers / plans
Standard · Rizon Emerald (from $5.59/month)Show 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
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Account maintenance; optional Rizon Emerald subscription from $5.59/month
Physical card fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
Virtual card fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
FX fee
0%Show source
1.7%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per non-USD card transaction; 1.02% with Rizon Emerald; USD spend free
Top-up fee
FreeShow source
Crypto withdrawal fee
0.1%Conditions apply: tap or hover for detailsShow source
Plus network fee (on-chain withdrawal)
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
2.5%Conditions apply: tap or hover for detailsShow source
On eligible purchases
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
2.5%Conditions apply: tap or hover for detailsShow source
Metal card with bigger cashback announced as coming soon
Cashback paid in
BTCShow source
Cashback type
CryptoShow 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 ChargeShow source
RizPoints on every purchase, redeemable for rewardsShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
Revolving creditShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
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
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Amex network benefits: retail protection, extended warranty, return protection
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
Rizon Card
- Annual & monthly fees+0 EUR
- FX costs−61 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+450 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers