CoinbaseCoinbase One
56
Side-by-side card comparison
Coinbase One vs Decaf
Decaf Card has the higher Overall Score by 8 points (64 vs 56). Coinbase One Card looks stronger for Cashback, while Decaf Card comes out ahead for Funds control, Lowest fees, and Transfers.
Latest check Oct 19, 202644 official sources reviewed
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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsCoinbase One CardOverall56Decaf CardOverall64
Coinbase One CardOverall56Decaf CardOverall64Scores
- Overall Score
- Coinbase One Card56Decaf Card64
- Cashback score
- Coinbase One Card40Decaf Card29
- Travel score
- Coinbase One Card60Decaf Card60
- Funds control score
- Coinbase One Card36Decaf Card63
- Lowest fees score
- Coinbase One Card40Decaf Card57
- Transfers score
- Coinbase One Card24Decaf Card70
Costs
- Plan cost
- Coinbase One Card$49.99/yearDecaf Card$0
- FX fee
- Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separateDecaf Card1–2%
- Top-up fee
- Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread variesDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Coinbase One CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator feesDecaf Card0% Decaf markup
- Virtual card
- Coinbase One CardNot disclosedDecaf Card$5
- Physical card
- Coinbase One CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%Decaf CardNot disclosed
- Top cashback plan
- Coinbase One CardAOC tier 4: 4%: 4%Decaf CardNot disclosed
Everyday use
- Network
- Coinbase One CardAmerican ExpressDecaf CardVisa
- Card formats
- Coinbase One CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Coinbase One CardNot disclosedDecaf CardNot disclosed
- Mobile wallets
- Coinbase One CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Coinbase One CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Coinbase One CardPersonalized credit limit; no reusable daily spend ceilingDecaf CardNot disclosed
- Monthly spending limit
- Coinbase One CardPersonalized credit limit; no reusable monthly spend ceilingDecaf CardNot disclosed
- ATM limit
- Coinbase One CardCash access and its sublimit are determined by the issuerDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Coinbase One CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Coinbase One CardNot disclosedDecaf CardStablecoins: USDC
- Fiat deposits
- Coinbase One CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Coinbase One CardNot disclosedDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Coinbase One CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Coinbase One Card2%Decaf CardNot disclosed
- Max cashback
- Coinbase One Card4%Decaf CardNot disclosed
- Reward currency
- Coinbase One CardBitcoinDecaf CardNot disclosed
Earn
- Advertised APY
- Coinbase One CardNot disclosedDecaf CardNot disclosed
- How it works
- Coinbase One CardBorrow against collateralDecaf CardOptional earn vault
- Separate deposit
- Coinbase One CardNoDecaf CardYes
- Use balance for spending
- Coinbase One CardNoDecaf CardNot disclosed
- Lock-up
- Coinbase One CardYesDecaf CardNot disclosed
Trust & availability
- Custody
- Coinbase One CardCustodialDecaf CardNon-custodial
- Control until payment
- Coinbase One CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Coinbase One CardFirst Electronic BankDecaf CardThird National, Inc.
- Card processing
- Coinbase One CardNot disclosedDecaf CardRain
- Custody / key management
- Coinbase One CardCoinbase, Inc.Decaf CardNot disclosed
- Deposits & withdrawals
- Coinbase One CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Coinbase One Card23Decaf Card21
- Last reviewed
- Coinbase One CardOct 11, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Coinbase One or Decaf
Keeping recurring costs down
Decaf's base plan is $0, compared with $49.99/year for Coinbase One. This favours Decaf for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Coinbase One lists 0% foreign transaction fee; Amex conversion rates remain separate, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Common questions
Coinbase One vs Decaf FAQ
Is Coinbase One or Decaf better overall?
Decaf Card has the higher Overall Score (64 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, Coinbase One or Decaf?
Decaf 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, Coinbase One or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coinbase One and Decaf differ on custody?
Coinbase One Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coinbase One vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.