Coinbase One Card vs Zoomex Card
Crypto native
Crypto native
Verdict
- Coinbase One Card scores higher overall (6.0 vs 5.2 out of 10).
- Coinbase One Card is clearly stronger on: Cashback & rewards, FX & international, 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
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Cashback & rewards, FX & international, Credit & financing
Zoomex Card is a good fit for
- Stablecoin holders
★ 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 | Zoomex Card |
|---|---|---|
| Fees | 91 | 88 |
| Cashback & rewards | 47 | 21 |
| Availability | 3 | – |
| FX & international | 100 | 20 |
| Product features | – | 56 |
| Custody & security | 60 | 60 |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 4.3 |
| Best for Travel | 7.1 | 4.5 |
| Best for DeFi Users | 6.7 | 5.1 |
| Best for Stablecoins | n/a | 5.5 |
| Best for High Spenders | 6.7 | 4.0 |
| Best for Low Fees | 8.9 | 6.7 |
| Best for Beginners | 6.2 | 6.7 |
| 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
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
American ExpressShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow 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
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Show source
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
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
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
1%Show source
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
Sign-up reward: spend $5, get $10Show source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
NoShow source
Credit type
Revolving creditShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Stainless steel card
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
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
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers