KrakKrak
74
Side-by-side card comparison
Krak vs Coinbase One: where the score gap comes from
Krak Card has the higher Overall Score by 18 points (74 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202649 official sources reviewed
01 · Where the gap opens
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallKrak74Coinbase One56Higher score
CashbackKrak41Coinbase One40Compare the details below
TravelKrak83Coinbase One60Compare the details below
Funds controlKrak56Coinbase One36Compare the details below
Lowest feesKrak72Coinbase One58Compare the details below
TransfersKrak97Coinbase One24Compare the details below
Choose Krak Card if its day-to-day setup suits you
Krak Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Krak74Coinbase One56
Krak Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Krak Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Krak0% base · up to 2%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- KrakCustodial balanceCoinbase OneCustodial balance
Krak Card and Coinbase One Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoinbase One0 stablecoins · Not modeled
Krak Card lists more stablecoins and ways to send money out (5 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 fiat
- Cashback
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsKrak CardOverall74Coinbase One CardOverall56
Krak CardOverall74Coinbase One CardOverall56Scores
6 fields- 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 Card58
- Transfers score
- Krak Card97Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- 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; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Coinbase One CardNot disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Coinbase 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
8 fields- 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
5 fields- 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
3 fields- 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
5 fields- Advertised APY
- Krak CardUp to 3.6% APYCoinbase One CardUp to 3.5% APY
- 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
6 fields- 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
2 fields- Official sources
- Krak Card26Coinbase One Card23
- Last reviewed
- Krak CardAug 27, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 56 for Coinbase One Card. Krak Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card and Coinbase One Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 0). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Krak Card and Coinbase One Card reviews first.
Continue with
Krak Card
Continue with
Coinbase One Card
05 · 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 September 5, 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.