BinanceBinance
58
Side-by-side card comparison
Binance vs Coinbase One
Binance Card has the higher Overall Score by 2 points (58 vs 56). Binance Card looks stronger for Funds control, Lowest fees, and Transfers, while Coinbase One Card comes out ahead for Cashback and Travel.
Latest check Oct 11, 202635 official sources reviewed
Binance Card
Best fit
- Spending supported crypto already held in Binance Funding or Spot accounts.
- Qualifying for higher cashback tiers through monthly card spending.
- Using USDC funding at 0.1% conversion instead of 0.9% for other crypto.
Before you choose
- Foreign purchases add 2% in most supported markets or 3% in New Zealand.
- Issuance is limited to selected countries; this is not the closed EEA Visa.
- Rewards and card formats vary by country; physical cards are not universal.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Partner links may earn us a commission. Affiliate disclosure
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsBinance CardOverall58Coinbase One CardOverall56
Binance CardOverall58Coinbase One CardOverall56Scores
- Overall Score
- Binance Card58Coinbase One Card56
- Cashback score
- Binance Card37Coinbase One Card40
- Travel score
- Binance Card36Coinbase One Card60
- Funds control score
- Binance Card47Coinbase One Card36
- Lowest fees score
- Binance Card56Coinbase One Card40
- Transfers score
- Binance Card76Coinbase One Card24
Costs
- Plan cost
- Binance Card$0Coinbase One Card$49.99/year
- FX fee
- Binance Card2–3%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Binance CardNot disclosedCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Binance CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Binance CardNot disclosedCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeCoinbase One CardNot disclosed
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchCoinbase One CardNot disclosed
Plans
- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Binance CardTier 3: 3%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Binance CardMastercardCoinbase One CardAmerican Express
- Card formats
- Binance CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Binance CardNot disclosedCoinbase One CardNot disclosed
- Mobile wallets
- Binance CardGoogle PayCoinbase One CardApple Pay, Google Pay
- Apps
- Binance CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Binance CardShown in appCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Binance CardShown in appCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Binance CardNot disclosedCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Binance CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- Binance CardOther crypto: Supported cryptoCoinbase One CardNot disclosed
- Fiat deposits
- Binance CardBinance account bank depositCoinbase One CardNot disclosed
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalCoinbase One CardNot disclosed
- Payout currencies
- Binance CardNot disclosedCoinbase One CardNot disclosed
Rewards
- Base cashback
- Binance Card1.5%Coinbase One Card2%
- Max cashback
- Binance Card3%Coinbase One Card4%
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Coinbase One CardBitcoin
Earn
- Advertised APY
- Binance CardNot offeredCoinbase One CardNot disclosed
- How it works
- Binance CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Binance CardNot offeredCoinbase One CardNo
- Use balance for spending
- Binance CardNot offeredCoinbase One CardNo
- Lock-up
- Binance CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Binance CardCustodialCoinbase One CardCustodial
- Control until payment
- Binance CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Binance CardImmersve LimitedCoinbase One CardFirst Electronic Bank
- Custody / key management
- Binance CardNot disclosedCoinbase One CardCoinbase, Inc.
Sources
- Official sources
- Binance Card12Coinbase One Card23
- Last reviewed
- Binance CardAug 5, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Binance or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Binance lists USDC or BTC equivalent cashback (country-dependent); Coinbase One lists Bitcoin.
Keeping recurring costs down
Binance's base plan is $0, compared with $49.99/year for Coinbase One. This favours Binance for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Binance lists 2–3%, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
Common questions
Binance vs Coinbase One FAQ
Is Binance or Coinbase One better overall?
Binance Card has the higher Overall Score (58 vs 56). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Binance or Coinbase One?
Binance Card has the lower starting plan cost ($0 vs $49.99/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% vs 1.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and Coinbase One differ on custody?
Binance Card and Coinbase One Card use the same custodial balance setup.
How current is this Binance vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.