CoinbaseCoinbase One
56
Side-by-side card comparison
Coinbase One vs Xapo
Xapo Card has the higher Overall Score by 14 points (70 vs 56). Coinbase One Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Latest check Oct 11, 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.
Xapo Card
Best fit
- Existing Xapo Bank members spending directly from their USD or BTC account.
- Combining card spending with Lightning, SEPA and Faster Payments transfers.
- Foreign purchases with no Xapo FX markup; card-network rates still apply.
Before you choose
- The card requires a Xapo Bank membership costing $1,000 each year.
- BTC purchases include a variable spread, currently listed at 0.29%.
- No ongoing cashback is active; the taxi promotion ended September 30, 2026.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsCoinbase One CardOverall56Xapo CardOverall70
Coinbase One CardOverall56Xapo CardOverall70Scores
- Overall Score
- Coinbase One Card56Xapo Card70
- Cashback score
- Coinbase One Card40Xapo Card24
- Travel score
- Coinbase One Card60Xapo Card91
- Funds control score
- Coinbase One Card36Xapo Card64
- Lowest fees score
- Coinbase One Card40Xapo Card78
- Transfers score
- Coinbase One Card24Xapo Card100
Costs
- Plan cost
- Coinbase One Card$49.99/yearXapo Card$1,000/year
- FX fee
- Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separateXapo Card0–0.29%
- Top-up fee
- Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread variesXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Coinbase One CardNot disclosedXapo Card0%
- ATM fee
- Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator feesXapo Card0–2%
- Virtual card
- Coinbase One CardNot disclosedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Coinbase One CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
- Available plans
- Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%Xapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Coinbase One CardAOC tier 4: 4%: 4%Xapo CardXapo Bank membership: 0%
Everyday use
- Network
- Coinbase One CardAmerican ExpressXapo CardVisa/Mastercard
- Card formats
- Coinbase One CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Coinbase One CardNot disclosedXapo CardAvailable
- Mobile wallets
- Coinbase One CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Coinbase One CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Coinbase One CardPersonalized credit limit; no reusable daily spend ceilingXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Coinbase One CardPersonalized credit limit; no reusable monthly spend ceilingXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Coinbase One CardCash access and its sublimit are determined by the issuerXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
- Networks
- Coinbase One CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Coinbase One CardNot disclosedXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Coinbase One CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Coinbase One CardNot disclosedXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Coinbase One CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
- Base cashback
- Coinbase One Card2%Xapo Card0%
- Max cashback
- Coinbase One Card4%Xapo Card3%
- Reward currency
- Coinbase One CardBitcoinXapo CardBTC
Earn
- Advertised APY
- Coinbase One CardNot disclosedXapo CardUp to 3.35% APY
- How it works
- Coinbase One CardBorrow against collateralXapo CardEarn on spending balance
- Separate deposit
- Coinbase One CardNoXapo CardNo
- Use balance for spending
- Coinbase One CardNoXapo CardYes
- Lock-up
- Coinbase One CardYesXapo CardNo
Trust & availability
- Custody
- Coinbase One CardCustodialXapo CardCustodial
- Control until payment
- Coinbase One CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Coinbase One CardFirst Electronic BankXapo CardTransact Payments Malta Limited
- Custody / key management
- Coinbase One CardCoinbase, Inc.Xapo CardNot disclosed
- Bank transfers
- Coinbase One CardNot disclosedXapo CardXapo Bank Limited
Sources
- Official sources
- Coinbase One Card23Xapo Card21
- Last reviewed
- Coinbase One CardOct 11, 2026Xapo CardSep 1, 2026
Choosing between these cards
When to choose Coinbase One or Xapo
How you receive rewards
Choose by the reward asset you want to receive: Coinbase One lists Bitcoin; Xapo lists BTC.
Keeping recurring costs down
Coinbase One's base plan is $49.99/year, compared with $1,000/year for Xapo. This favours Coinbase One 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 0–0.29% at Xapo. Use the tariff for your country and plan; conversion fees can add to these figures.
Common questions
Coinbase One vs Xapo FAQ
Is Coinbase One or Xapo better overall?
Xapo Card 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 Xapo?
Coinbase One Card has the lower starting plan cost ($49.99/year vs $1,000/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 Xapo?
Coinbase One Card has the higher published base cashback rate (2% vs 0%). 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 Xapo differ on custody?
Coinbase One Card and Xapo Card use the same custodial balance setup.
How current is this Coinbase One vs Xapo comparison?
The latest information check for these two cards was October 11, 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.