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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Black Coinbase One card face with Genesis Block text and a silver chip
56Overall

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.

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.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Coinbase One Card: 56
Cashback score
MPChat Card: 18
Coinbase One Card: 40
Travel score
MPChat Card: 72
Coinbase One Card: 60
Funds control score
MPChat Card: 41
Coinbase One Card: 36
Lowest fees score
MPChat Card: 60
Coinbase One Card: 40
Transfers score
MPChat Card: 58
Coinbase One Card: 24
02

Costs

Plan cost
MPChat Card: $0
Coinbase One Card: $49.99/year
FX fee
MPChat Card: 0%
Coinbase One Card: 0%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Coinbase One Card: Linked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
Card spending fee
MPChat Card: 0.8%
Coinbase One Card: Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Coinbase One Card: Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
Virtual card
MPChat Card: Cloud: 10 USDT one time
Coinbase One Card: Not disclosed
Physical card
MPChat Card: $100
Coinbase One Card: Not disclosed
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Coinbase One Card: Tier 1
Base cashback
MPChat Card: Not disclosed
Coinbase One Card: 2%
Max cashback
MPChat Card: Not disclosed
Coinbase One Card: 4%
Reward currency
MPChat Card: Not disclosed
Coinbase One Card: BTC
Cashback cap · entry plan
MPChat Card: Not disclosed
Coinbase One Card: Not disclosed
Full-rate spend · entry plan
MPChat Card: Not disclosed
Coinbase One Card: Uncapped at 2%
Top cashback plan
MPChat Card: Not disclosed
Coinbase One Card: Tier 4
Cashback on top plan
MPChat Card: Not disclosed
Coinbase One Card: 4% in BTC
Full-rate spend · top plan
MPChat Card: Not disclosed
Coinbase One Card: Shared $10,000/month
Rate after spend cap · top plan
MPChat Card: Not disclosed
Coinbase One Card: 2%
Top plan price / access
MPChat Card: Not disclosed
Coinbase One Card: $200,000 · minimum balance
Reward payout
MPChat Card: Not disclosed
Coinbase One Card: Normally when the purchase posts; delays of up to 30 days or eligibility review may apply
Flights, Hotels And Car Rentals Through Coinbase One Card Travel rewards
MPChat Card: Not listed
Coinbase One Card: 5%
04

Everyday use

Network
MPChat Card: Visa
Coinbase One Card: American Express
Card formats
MPChat Card: Virtual, Physical
Coinbase One Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Coinbase One Card: Not disclosed
Mobile wallets
MPChat Card: Google Pay
Coinbase One Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Coinbase One Card: iOS, Android, Web
Daily spending limit
MPChat Card: $250,000 / day
Coinbase One Card: Personalized credit limit; no reusable daily spend ceiling
Monthly spending limit
MPChat Card: $1,000,000 / month
Coinbase One Card: Personalized credit limit; no reusable monthly spend ceiling
ATM limit
MPChat Card: $1,500 / day
Coinbase One Card: Cash access and its sublimit are determined by the issuer
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Coinbase One Card: Not disclosed
Stablecoin deposits
MPChat Card: USDT
Coinbase One Card: Not disclosed
Other crypto deposits
MPChat Card: Not disclosed
Coinbase One Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Coinbase One Card: Not disclosed
Crypto transfers
MPChat Card: External USDT withdrawal
Coinbase One Card: Not disclosed
Internal transfers
MPChat Card: Not disclosed
Coinbase One Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Coinbase One Card: Not disclosed
Payout currencies
MPChat Card: Not disclosed
Coinbase One Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
Coinbase One Card: Not disclosed
How it works
MPChat Card: Not offered
Coinbase One Card: Borrow against collateral
Separate deposit
MPChat Card: Not offered
Coinbase One Card: No
Use balance for spending
MPChat Card: Not offered
Coinbase One Card: No
Lock-up
MPChat Card: Not offered
Coinbase One Card: Yes
07

Trust & sources

Custody
MPChat Card: Custodial
Coinbase One Card: Custodial
Control until payment
MPChat Card: Provider controls funds
Coinbase One Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
Coinbase One Card: First Electronic Bank
Custody / key management
MPChat Card: Not disclosed
Coinbase One Card: Coinbase, Inc.
Official sources
MPChat Card: 30
Coinbase One Card: 23
Last reviewed
MPChat Card: Nov 12, 2026
Coinbase One Card: Nov 12, 2026

Using the comparison

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Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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