KrakKrak
74
Side-by-side card comparison
Krak vs Coinbase One
Krak Card has the higher Overall Score by 18 points (74 vs 56). Krak Card 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.
Latest check Oct 16, 202649 official sources reviewed
Krak Card
Best fit
- Existing Kraken users whose account balances already count toward rewards.
- Choosing regional fiat or BTC for automatically credited cashback.
- Cash withdrawals with no Krak ATM fee; the operator can still charge.
Before you choose
- Starter pays 0%; ongoing cashback needs a qualifying 30-day average balance.
- Crypto-funded purchases include a variable conversion spread shown in the app.
- U.S. cards charge 1% on foreign transactions; UK and EEA cards charge 0%.
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
CardsKrak CardOverall74Coinbase One CardOverall56
Krak CardOverall74Coinbase One CardOverall56Scores
- Overall Score
- Krak Card74Coinbase One Card56
- Cashback score
- Krak Card41Coinbase One Card40
- Travel score
- Krak Card83Coinbase One Card60
- Funds control score
- Krak Card56Coinbase One Card36
- Lowest fees score
- Krak Card72Coinbase One Card40
- Transfers score
- Krak Card97Coinbase One Card24
Costs
- Plan cost
- Krak Card$0Coinbase One Card$49.99/year
- FX fee
- Krak Card0–1%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Krak CardNot disclosedCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Krak Card0%Coinbase One CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Krak CardFreeCoinbase One CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0. UK/EEA metal threshold £/€50,000; US metal threshold conflicts between $50,000 pricing and a $75,000 announcement. Confirm eligibility in app.Coinbase One CardNot disclosed
Plans
- Available plans
- Krak Card10 plans: Starter, Lite, Pro, Elite +6Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Krak CardMax: 2%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Krak CardMastercard/VisaCoinbase One CardAmerican Express
- Card formats
- Krak CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Krak CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Krak CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- Krak CardOther crypto: Supported cryptoCoinbase One CardNot disclosed
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferCoinbase One CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoinbase One CardNot disclosed
- Payout currencies
- Krak CardGBP, EURCoinbase One CardNot disclosed
Rewards
- Base cashback
- Krak Card0%Coinbase One Card2%
- Max cashback
- Krak Card2%Coinbase One Card4%
- Reward currency
- Krak CardGBP, EUR, USD or BTCCoinbase One CardBitcoin
Earn
- Advertised APY
- Krak CardUp to 3.6% APYCoinbase One CardNot disclosed
- How it works
- Krak CardOptional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- Krak CardYesCoinbase One CardNo
- Use balance for spending
- Krak CardNoCoinbase One CardNo
- Lock-up
- Krak CardNot disclosedCoinbase One CardYes
Trust & availability
- Custody
- Krak CardCustodialCoinbase One CardCustodial
- Control until payment
- Krak CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateCoinbase One CardFirst Electronic Bank
- Card processing
- Krak CardStripeCoinbase One CardNot disclosed
- Custody / key management
- Krak CardNot disclosedCoinbase One CardCoinbase, Inc.
- Programme operator
- Krak CardPayward Wallet, Inc.Coinbase One CardNot disclosed
Sources
- Official sources
- Krak Card26Coinbase One Card23
- Last reviewed
- Krak CardOct 16, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Krak or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Krak lists GBP, EUR, USD or BTC; Coinbase One lists Bitcoin.
Keeping recurring costs down
Krak's base plan is $0, compared with $49.99/year for Coinbase One. This favours Krak for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Krak lists 0–1%, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
Common questions
Krak vs Coinbase One FAQ
Is Krak or Coinbase One better overall?
Krak Card has the higher Overall Score (74 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, Krak or Coinbase One?
Krak 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, Krak or Coinbase One?
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 Krak and Coinbase One differ on custody?
Krak Card and Coinbase One Card use the same custodial balance setup.
How current is this Krak vs Coinbase One comparison?
The latest information check for these two cards was October 16, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.