CoinbaseCoinbase One
56
Side-by-side card comparison
Coinbase One vs Uphold US: fees, rewards and account setup
Uphold Card US has the higher Overall Score by 14 points (70 vs 56). Uphold Card US also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Information checked Oct 14, 202636 official sources reviewed
01 · Make the first cut
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCoinbase One56Uphold US70Higher score
CashbackCoinbase One40Uphold US75Higher score
TravelCoinbase One60Uphold US71Higher score
Funds controlCoinbase One36Uphold US44Higher score
Lowest feesCoinbase One40Uphold US56Higher score
TransfersCoinbase One24Uphold US65Higher score
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Coinbase One56Uphold US70
Uphold Card US has the higher Overall Score by 14 points.
- Entry cost & FX
- Coinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Coinbase One2% base · up to 4%Uphold US2% base · up to 4%
Both cards show the same base cashback rate of 2%.
- Funds control
- Coinbase OneCustodial balanceUphold USCustodial balance
Coinbase One Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- Coinbase OneVirtual + Physical · Apple Pay, Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coinbase One0 stablecoins · Not modeledUphold US0 stablecoins · US bank withdrawal
Uphold Card US lists more stablecoins and ways to send money out (2 vs 0).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsCoinbase One CardOverall56Uphold Card USOverall70
Coinbase One CardOverall56Uphold Card USOverall70Scores
6 fields- Overall Score
- Coinbase One Card56Uphold Card US70
- Cashback score
- Coinbase One Card40Uphold Card US75
- Travel score
- Coinbase One Card60Uphold Card US71
- Funds control score
- Coinbase One Card36Uphold Card US44
- Lowest fees score
- Coinbase One Card40Uphold Card US56
- Transfers score
- Coinbase One Card24Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Coinbase One Card2% BTC on eligible purchases, No foreign transaction feeUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Coinbase One CardPaid membership is required, Debt and cash advances carry costsUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Coinbase One Card$49.99/yearUphold Card US$0
- FX fee
- Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separateUphold Card US0–1.5%
- Top-up fee
- Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread variesUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Coinbase One CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator feesUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Coinbase One CardNot disclosedUphold Card USFree on both plans
- Physical card
- Coinbase One CardNot disclosedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%Uphold Card US2 plans: Essential, Elite
- Top cashback plan
- Coinbase One CardAOC tier 4: 4%: 4%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Coinbase One CardAmerican ExpressUphold Card USVisa
- Card formats
- Coinbase One CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Coinbase One CardNot disclosedUphold Card USAvailable
- Mobile wallets
- Coinbase One CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Coinbase One CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Coinbase One CardPersonalized credit limit; no reusable daily spend ceilingUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Coinbase One CardPersonalized credit limit; no reusable monthly spend ceilingUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Coinbase One CardCash access and its sublimit are determined by the issuerUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Coinbase One CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Coinbase One CardNot disclosedUphold Card USNot disclosed
- Fiat deposits
- Coinbase One CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Coinbase One CardNot disclosedUphold Card USUS bank withdrawal
- Payout currencies
- Coinbase One CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Coinbase One Card2%Uphold Card US2%
- Max cashback
- Coinbase One Card4%Uphold Card US4%
- Reward currency
- Coinbase One CardBitcoinUphold Card USXRP
Earn
5 fields- Advertised APY
- Coinbase One CardNot disclosedUphold Card USNot offered
- How it works
- Coinbase One CardBorrow against collateralUphold Card USNot offered
- Separate deposit
- Coinbase One CardNoUphold Card USNot offered
- Use balance for spending
- Coinbase One CardNoUphold Card USNot offered
- Lock-up
- Coinbase One CardYesUphold Card USNot offered
Trust & availability
4 fields- Custody
- Coinbase One CardCustodialUphold Card USCustodial
- Control until payment
- Coinbase One CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Coinbase One CardFirst Electronic BankUphold Card USCross River Bank
- Custody / key management
- Coinbase One CardCoinbase, Inc.Uphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Coinbase One Card23Uphold Card US13
- Last reviewed
- Coinbase One CardOct 11, 2026Uphold Card USOct 14, 2026
04 · The takeaway
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 56 for Coinbase One Card. Uphold Card US has the lower starting plan cost ($0 vs $49.99/year). Both cards show the same base cashback rate of 2%.
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Coinbase One Card and Uphold Card US use the same custodial balance setup.
Uphold Card US lists more stablecoins and ways to send money out (2 vs 0). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Coinbase One Card and Uphold Card US reviews first.
Continue with
Coinbase One Card
Continue with
Uphold Card US
05 · Common questions
Coinbase One vs Uphold US FAQ
Is Coinbase One or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 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 Uphold US?
Uphold Card US 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 Uphold US?
Both cards show the same base cashback rate of 2%. 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 Uphold US differ on custody?
Coinbase One Card and Uphold Card US use the same custodial balance setup.
How current is this Coinbase One vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.