Coinbase One Card vs Plasma One Card
Crypto native
Crypto native
Verdict
- Plasma One Card scores higher overall (6.9 vs 6.0 out of 10).
- Plasma One 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
Plasma One 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
Score by criterion
| Criterion | Coinbase One Card | Plasma One Card |
|---|---|---|
| Fees | 91 | 100 |
| Cashback & rewards | 47 | 55 |
| Availability | 3 | – |
| FX & international | 100 | – |
| Product features | – | 70 |
| Custody & security | 60 | 85 |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 6.5 |
| Best for Travel | 7.1 | n/a |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.7 | 7.3 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | 6.7 | 6.3 |
| Best for Low Fees | 8.9 | 8.0 |
| Best for Beginners | 6.2 | 7.9 |
| 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
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%
ActiveShow source
Product status: Active
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
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%
Stablecoin cardShow source
Card type: Stablecoin card
Source states (paraphrased): Plasma One Stablecoin Cards
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
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%
VisaShow source
Network: Visa
Source states (paraphrased): The Plasma One Card is issued by Rain, a Visa Principal Member, pursuant to a license from Visa.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Custody model
CustodialConditions apply: tap or hover for detailsShow 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
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): The stablecoin balance backing your Plasma One card is owned and custodied by you.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Card issuer / program manager
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%
Rain (Visa Principal Member); account services by BridgeShow source
Card issuer / program manager: Rain (Visa Principal Member); account services by Bridge
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Lite · Core · PlatinumShow source
Tiers / plans: Lite · Core · Platinum
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Fees
Annual fee
$49.99/yearConditions apply: tap or hover for detailsShow 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
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Monthly fee: Free
Lite tier (card cost $0); Core and Platinum are paid tiers; partner fees (FX, bank withdrawals) shown in the app
Source states (paraphrased): Plasma One does not charge any additional fees. Some transactions, such as foreign exchange and bank withdrawals, include partner fees, which are shown in the app before you confirm.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Lite tier (card cost $0); Core and Platinum are paid tiers; partner fees (FX, bank withdrawals) shown in the app
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card fee: Free
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
Source states (paraphrased): $0 Card cost
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
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%
Other fees & markups
Partner fees on foreign exchange and bank withdrawals (shown in the app before you confirm)Conditions apply: tap or hover for detailsShow source
Other fees & markups: Partner fees on foreign exchange and bank withdrawals (shown in the app before you confirm)
Platinum: Plasma covers the Visa FX fee
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Platinum: Plasma covers the Visa FX fee
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow 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
2%Conditions apply: tap or hover for detailsShow source
Base cashback: 2%
Lite tier; Core 3%, Platinum 4% (AI cashback 5% / 10%)
Source states (paraphrased): 2% Base cashback
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Lite tier; Core 3%, Platinum 4% (AI cashback 5% / 10%)
Max cashback
4%Conditions apply: tap or hover for detailsShow 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
4%Conditions apply: tap or hover for detailsShow source
Max cashback: 4%
Platinum tier base cashback; AI spend 10%
Source states (paraphrased): 4% Base cashback
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Platinum tier base cashback; AI spend 10%
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%
XPLShow source
Cashback paid in: XPL
Source states (paraphrased): Every qualifying purchase made with your Plasma One card earns cashback in XPL.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
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%
Platform tokenShow source
Cashback type: Platform token
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Interest on balance: 6%
Up to; variable, via DeFi vaults, not guaranteed; varies by tier
Source states (paraphrased): 6% Yield on your balance
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Up to; variable, via DeFi vaults, not guaranteed; varies by tier
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
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%
Platinum: 4% on first $3,000 monthly spend, 3% on next $7,000, 2% on next $5,000, 1% on the rest · Platinum: exclusively for XPL holders; up to $600/year flight cashback on eligible airlinesShow source
Cashback conditions: Platinum: 4% on first $3,000 monthly spend, 3% on next $7,000, 2% on next $5,000, 1% on the rest · Platinum: exclusively for XPL holders; up to $600/year flight cashback on eligible airlines
Source states (paraphrased): On the first $3,000 4%
Source: Plasma One Platinum
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Staking / holding required for top rewards: Yes
Platinum tier requires locking XPL
Source states (paraphrased): Get Platinum by locking 100,000 XPL 5 for 12 months
Source: Plasma One Platinum
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Platinum tier requires locking XPL
Staking asset
XPLConditions apply: tap or hover for detailsShow source
Staking asset: XPL
Lock 100,000 XPL for 12 months for Platinum
Source states (paraphrased): Get Platinum by locking 100,000 XPL 5 for 12 months
Source: Plasma One Platinum
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Lock 100,000 XPL for 12 months for Platinum
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow 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%
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow 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
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Apple Pay: Yes
Availability depends on region
Source states (paraphrased): On iPhone, add your Plasma One card to Apple Pay.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Availability depends on region
Google Pay
YesConditions apply: tap or hover for detailsShow source
Google Pay: Yes
Availability depends on region
Source states (paraphrased): On Android, add it to Google Pay.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Availability depends on region
Physical card
YesConditions apply: tap or hover for detailsShow 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
YesShow source
Physical card: Yes
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%
Virtual card
YesShow source
Virtual card: Yes
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow 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
YesConditions apply: tap or hover for detailsShow 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
Plasma is not a regulated financial institution · Account services by Bridge (US: Bridge Building Inc.; EEA: Bridge Building Sp. Z.o.o.; others: Bridge Building Limited) · Card issued by Rain, Visa Principal MemberShow source
Regulation / licences: Plasma is not a regulated financial institution · Account services by Bridge (US: Bridge Building Inc.; EEA: Bridge Building Sp. Z.o.o.; others: Bridge Building Limited) · Card issued by Rain, Visa Principal Member
Source states (paraphrased): Plasma is a financial technology company, not a regulated financial institution, bank, money services business or investment advisor.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Deposit protection
NoShow source
Deposit protection: No
Source states (paraphrased): Your stablecoin balance is not a bank deposit.
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Smart-contract risk: Yes
Applies to the Earn feature (third-party DeFi vaults)
Source states (paraphrased): Participation involves material risks including smart contract risk
Source: The Stablecoin Card for Everyday Money | Plasma One
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Applies to the Earn feature (third-party DeFi vaults)
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
Plasma One Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- 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