Coinbase Card vs Coinbase One Card
Crypto native
Crypto native
Verdict
- Coinbase One Card scores higher overall (6.0 vs 5.9 out of 10).
- Coinbase Card is clearly stronger on: Custody & security.
- Coinbase One Card is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase Card is a good fit for
- Stablecoin holders
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: Credit & financing
Score by criterion
| Criterion | Coinbase Card | Coinbase One Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | – | 47 |
| Availability | 3 | 3 |
| FX & international | – | 100 |
| Product features | 70 | – |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | – | – |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 5.5 |
| Best for Travel | n/a | 7.1 |
| Best for DeFi Users | 6.7 | 6.6 |
| Best for Stablecoins | 7.3 | n/a |
| Best for High Spenders | n/a | 6.7 |
| Best for Low Fees | 8.0 | 8.8 |
| Best for Beginners | 7.1 | 6.1 |
| Best Crypto Credit Card | n/a | 7.1 |
Product
Product status
ActiveShow source
Product status: Active
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): The Visa debit card that rewards crypto.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Network
VisaShow source
Network: Visa
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
American ExpressShow source
Network: American Express
Source states (paraphrased): PROVIDER American Express®
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Pathward, N.A. (program powered by Marqeta)Show source
Card issuer / program manager: Pathward, N.A. (program powered by Marqeta)
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
Card issuer / program manager: First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)
Source states (paraphrased): Coinbase One Card is offered through Coinbase, Inc. and Cardless, Inc. Cards issued by First Electronic Bank.
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Zero spending fees and no annual fees.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
$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
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%
Top-up fee
Free*Show source
Top-up fee: Free
Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold
Source states (paraphrased): Link your bank account or get part of your paycheck deposited into Coinbase with zero fees.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold
Other fees & markups
Coinbase charges a spread when buying, selling or converting cryptoShow source
Other fees & markups: Coinbase charges a spread when buying, selling or converting crypto
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
2%*Show source
Base cashback: 2%
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
Source states (paraphrased): Bitcoin back rates are tiered at 2%, 2.5%, 3%, and 4%, based on your Assets on Coinbase (AOC)
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
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
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%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Coinbase Card rewards
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Cashback conditions
Rewards are optional and the rate is variable · Rewards only for US card usersShow source
Cashback conditions: Rewards are optional and the rate is variable · Rewards only for US card users
Source: Coinbase Card rewards
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
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%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Excluding Hawaii
Source states (paraphrased): Available for Coinbase customers who live in the US, excluding Hawaii.
Source: Apply for a debit card from Coinbase
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Excluding Hawaii
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
Features
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Create a virtual card or order a physical card
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Physical card: Yes
Stainless steel card
Source states (paraphrased): MATERIAL Stainless steel WEIGHT 17 grams PROVIDER American Express®
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Stainless steel card
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Create a virtual card or order a physical card
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Coinbase will automatically convert all cryptocurrency to US Dollars for use in purchases and ATM withdrawals.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
USDC
Source states (paraphrased): There are no fees for spending US dollars (USD) or crypto, including USD Coin (USDC) with Coinbase Card.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USDC
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Source states (paraphrased): Worldwide Car Rental Loss & Damage Insurance
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Purchase protection
Yes*Show source
Purchase protection: Yes
Amex network benefits: retail protection, extended warranty, return protection
Source states (paraphrased): Retail Protection Extended Warranty Return Protection
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Amex network benefits: retail protection, extended warranty, return protection
Security & custody
Regulation / licences
Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.Show source
Regulation / licences: Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.
Source states (paraphrased): The Coinbase Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Annual cost at 1,500 EUR/month
Coinbase Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- 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