CoinbaseCoinbase
64
Side-by-side card comparison
Coinbase vs Coinbase One
Coinbase Card has the higher Overall Score by 8 points (64 vs 56). Coinbase Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Coinbase One Card comes out ahead for Cashback.
Latest check Oct 11, 202645 official sources reviewed
Coinbase Card
Best fit
- Existing Coinbase users spending cash or supported crypto from their account.
- U.S. users funding a spending balance through a linked bank or payroll.
- U.S. cash withdrawals with no Coinbase ATM fee; operator fees can apply.
Before you choose
- Crypto spending includes a variable sale spread, even on zero-fee purchases.
- Rewards are U.S.-only; available assets and rates rotate in the app.
- U.S., UK and EEA cards have separate fees, limits and phone-wallet support.
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.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsCoinbase CardOverall64Coinbase One CardOverall56
Coinbase CardOverall64Coinbase One CardOverall56Scores
- Overall Score
- Coinbase Card64Coinbase One Card56
- Cashback score
- Coinbase Card36Coinbase One Card40
- Travel score
- Coinbase Card61Coinbase One Card60
- Funds control score
- Coinbase Card48Coinbase One Card36
- Lowest fees score
- Coinbase Card55Coinbase One Card40
- Transfers score
- Coinbase Card84Coinbase One Card24
Costs
- Plan cost
- Coinbase Card$0Coinbase One Card$49.99/year
- FX fee
- Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separateCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profileCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Coinbase Card0%Coinbase One CardNot disclosed
- ATM fee
- Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published hereCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Coinbase CardNot disclosedCoinbase One CardNot disclosed
- Physical card
- Coinbase CardNot disclosedCoinbase One CardNot disclosed
Plans
- Available plans
- Coinbase CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Coinbase CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Coinbase CardVisaCoinbase One CardAmerican Express
- Card formats
- Coinbase CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Coinbase CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Coinbase CardNot disclosedCoinbase One CardApple Pay, Google Pay
- Apps
- Coinbase CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Coinbase Card$2,500 per 24 hours in the U.S. programmeCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Coinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specificCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Coinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in appCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Coinbase CardCoinbase-supported networksCoinbase One CardNot disclosed
- Crypto deposits
- Coinbase CardOther crypto: Supported cryptoCoinbase One CardNot disclosed
- Fiat deposits
- Coinbase CardLinked bank account, Payroll depositCoinbase One CardNot disclosed
- Transfers
- Coinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-outCoinbase One CardNot disclosed
- Payout currencies
- Coinbase CardUSD, GBP, EURCoinbase One CardNot disclosed
Rewards
- Base cashback
- Coinbase CardNot disclosedCoinbase One Card2%
- Max cashback
- Coinbase CardNot disclosedCoinbase One Card4%
- Reward currency
- Coinbase CardSelected crypto offerCoinbase One CardBitcoin
Earn
- Advertised APY
- Coinbase CardNot offeredCoinbase One CardNot disclosed
- How it works
- Coinbase CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Coinbase CardNot offeredCoinbase One CardNo
- Use balance for spending
- Coinbase CardNot offeredCoinbase One CardNo
- Lock-up
- Coinbase CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Coinbase CardCustodialCoinbase One CardCustodial
- Control until payment
- Coinbase CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Coinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions LimitedCoinbase One CardFirst Electronic Bank
- Card processing
- Coinbase CardMarqeta, Inc.Coinbase One CardNot disclosed
- Custody / key management
- Coinbase CardNot disclosedCoinbase One CardCoinbase, Inc.
Sources
- Official sources
- Coinbase Card22Coinbase One Card23
- Last reviewed
- Coinbase CardAug 30, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Coinbase or Coinbase One
Keeping recurring costs down
Coinbase's base plan is $0, compared with $49.99/year for Coinbase One. This favours Coinbase for occasional use; card issuance and transaction fees are separate.
Matching the card to your plans
Coinbase: Existing Coinbase users spending cash or supported crypto from their account. Coinbase One: Existing Coinbase One members who already pay for an eligible plan.
Common questions
Coinbase vs Coinbase One FAQ
Is Coinbase or Coinbase One better overall?
Coinbase 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 or Coinbase One?
Coinbase 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 or Coinbase One?
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 and Coinbase One differ on custody?
Coinbase Card and Coinbase One Card use the same custodial balance setup.
How current is this Coinbase vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.