Bitstack Card vs Coinbase One Card
Crypto enabled
Crypto native
Verdict
- Coinbase One Card scores higher overall (6.0 vs 5.5 out of 10).
- Bitstack Card is clearly stronger on: 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.
Bitstack Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: 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 | Bitstack Card | Coinbase One Card |
|---|---|---|
| Fees | 97 | 91 |
| Cashback & rewards | 22 | 47 |
| Availability | 3 | 3 |
| FX & international | – | 100 |
| Product features | 70 | – |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | 84 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.5 | 5.6 |
| Best for Travel | 5.9 | 7.1 |
| Best for DeFi Users | n/a | 6.7 |
| Best for High Spenders | 5.1 | 6.7 |
| Best for Low Fees | 8.4 | 8.9 |
| Best for Beginners | 6.7 | 6.2 |
| Best Crypto Credit Card | n/a | 7.2 |
| Best E-Money Card | 7.0 | 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
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Credit cardShow source
Network
VisaShow source
American ExpressShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
Tiers / plans
Standard · PlusShow 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
Standard; Plus €2.99/month or €29.99/year
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
FX fee
0%Show source
ATM fee
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
Other fees & markups
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
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
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
Cashback paid in
BTCShow source
BTCShow source
Cashback type
CryptoShow source
CryptoShow source
Cashback conditions
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow 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
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
FranceShow source
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
Account / spend currencies
EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
French IBAN
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Stainless steel card
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
Limits
Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Security & custody
Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Annual cost at 1,500 EUR/month
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- 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