Coinbase One Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Solayer Pay scores higher overall (6.2 vs 6.0 out of 10).
- Coinbase One Card is clearly stronger on: FX & international, Credit & financing.
- Solayer Pay is clearly stronger on: Availability, 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
Stronger on: FX & international, Credit & financing
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Availability, Custody & security
★ 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 | Solayer Pay |
|---|---|---|
| Fees | 91 | 83 |
| Cashback & rewards | 47 | – |
| Availability | 3 | 50 |
| FX & international | 100 | 40 |
| Product features | – | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | n/a |
| Best for Travel | 7.1 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.7 | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 6.7 | 5.5 |
| Best for Low Fees | 8.9 | 7.0 |
| Best for Beginners | 6.2 | 7.5 |
| 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
Stablecoin cardShow source
Network
American ExpressShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
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
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
FX fee
0%Show source
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Show source
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
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
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
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
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
NoShow source
Credit type
Revolving creditShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Stainless steel card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
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
Spendable assets
USDCShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
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
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers