CoinbaseCoinbase
64
Side-by-side card comparison
Coinbase vs Decaf
Coinbase Card and Decaf Card share an Overall Score of 64. Coinbase Card looks stronger for Cashback, Travel, and Transfers, while Decaf Card comes out ahead for Funds control and Lowest fees.
Latest check Oct 19, 202643 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.
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 CardOverall64Decaf CardOverall64
Coinbase CardOverall64Decaf CardOverall64Scores
- Overall Score
- Coinbase Card64Decaf Card64
- Cashback score
- Coinbase Card36Decaf Card29
- Travel score
- Coinbase Card61Decaf Card60
- Funds control score
- Coinbase Card48Decaf Card63
- Lowest fees score
- Coinbase Card55Decaf Card57
- Transfers score
- Coinbase Card84Decaf Card70
Costs
- Plan cost
- Coinbase Card$0Decaf Card$0
- FX fee
- Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separateDecaf Card1–2%
- Top-up fee
- Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profileDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Coinbase Card0%Decaf CardNot disclosed
- ATM fee
- Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published hereDecaf Card0% Decaf markup
- Virtual card
- Coinbase CardNot disclosedDecaf Card$5
- Physical card
- Coinbase CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Coinbase CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Coinbase CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Coinbase CardVisaDecaf CardVisa
- Card formats
- Coinbase CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Coinbase CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Coinbase CardNot disclosedDecaf CardApple Pay, Google Pay
- Apps
- Coinbase CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Coinbase Card$2,500 per 24 hours in the U.S. programmeDecaf CardNot disclosed
- Monthly spending limit
- Coinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specificDecaf CardNot disclosed
- ATM limit
- Coinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in appDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Coinbase CardCoinbase-supported networksDecaf CardSolana, Stellar
- Crypto deposits
- Coinbase CardOther crypto: Supported cryptoDecaf CardStablecoins: USDC
- Fiat deposits
- Coinbase CardLinked bank account, Payroll depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Coinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-outDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Coinbase CardUSD, GBP, EURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Coinbase CardNot disclosedDecaf CardNot disclosed
- Max cashback
- Coinbase CardNot disclosedDecaf CardNot disclosed
- Reward currency
- Coinbase CardSelected crypto offerDecaf CardNot disclosed
Earn
- Advertised APY
- Coinbase CardNot offeredDecaf CardNot disclosed
- How it works
- Coinbase CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Coinbase CardNot offeredDecaf CardYes
- Use balance for spending
- Coinbase CardNot offeredDecaf CardNot disclosed
- Lock-up
- Coinbase CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Coinbase CardCustodialDecaf CardNon-custodial
- Control until payment
- Coinbase CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Coinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions LimitedDecaf CardThird National, Inc.
- Card processing
- Coinbase CardMarqeta, Inc.Decaf CardRain
- Deposits & withdrawals
- Coinbase CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Coinbase Card22Decaf Card21
- Last reviewed
- Coinbase CardAug 30, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Coinbase or Decaf
Sending money to a bank
For bank payouts, Coinbase has reviewed routes in EUR, GBP, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Matching the card to your plans
Coinbase: Existing Coinbase users spending cash or supported crypto from their account. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Coinbase vs Decaf FAQ
Is Coinbase or Decaf better overall?
Coinbase Card and Decaf Card tie at 64 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Coinbase or Decaf?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 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 and Decaf differ on custody?
Coinbase 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 vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.