Bitrefill Card vs Coinbase One Card
Crypto native
Crypto native
Verdict
- Bitrefill Card scores higher overall (6.7 vs 6.0 out of 10).
- Bitrefill Card is clearly stronger on: Availability, Custody & security.
- Coinbase One Card is clearly stronger on: Cashback & rewards, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitrefill Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability, Custody & security
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, Credit & financing
★ 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 | Bitrefill Card | Coinbase One Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | 24 | 47 |
| Availability | 97 | 3 |
| FX & international | – | 100 |
| Product features | 70 | – |
| Custody & security | 70 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.3 | 5.6 |
| Best for Travel | 6.4 | 7.1 |
| Best for DeFi Users | 6.0 | 6.7 |
| Best for High Spenders | 4.8 | 6.7 |
| Best for Low Fees | 8.0 | 8.9 |
| Best for Beginners | 8.1 | 6.2 |
| Best Crypto Credit Card | n/a | 7.2 |
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
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded by crypto deposits converted to euros
Credit cardShow source
Network
VisaShow source
American ExpressShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Crypto stays in your own wallet until deposited; card balance in euros held by the card partner
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
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
FreeShow source
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Show source
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit
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
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
Cashback paid in
EUR store credit on BitrefillShow source
BTCShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
CryptoShow source
Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
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
Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
Revolving creditShow source
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source
Not for US or Russian citizens regardless of residency
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
Account / spend currencies
EURShow source
Features
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Stainless steel card
Virtual card
YesShow source
ATM withdrawals
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
Bitrefill Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Coinbase One Card
- Annual & monthly fees−45 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers