OobitOobit
74
Side-by-side card comparison
Oobit vs Coinbase One
Oobit Card has the higher Overall Score by 18 points (74 vs 56). Oobit Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Coinbase One Card comes out ahead for Travel.
Latest check Oct 20, 202639 official sources reviewed
Oobit Card
Best fit
- Paying from a connected external wallet without preloading an Oobit balance.
- Using Apple Pay or Google Pay for supported wallet-funded Visa purchases.
- Combining wallet card payments with crypto-to-bank account payouts.
Before you choose
- Payments cost 1%, with a $0.25 minimum outside Brazil; FX can add up to 1.5%.
- Published terms allow level 1; asset, spend-cap and account-notice rules apply.
- Points can be spent through Tap to Pay but cannot be transferred or withdrawn.
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
CardsOobit CardOverall74Coinbase One CardOverall56
Oobit CardOverall74Coinbase One CardOverall56Scores
- Overall Score
- Oobit Card74Coinbase One Card56
- Cashback score
- Oobit Card70Coinbase One Card40
- Travel score
- Oobit Card55Coinbase One Card60
- Funds control score
- Oobit Card78Coinbase One Card36
- Lowest fees score
- Oobit Card59Coinbase One Card40
- Transfers score
- Oobit Card65Coinbase One Card24
Costs
- Plan cost
- Oobit Card$0Coinbase One Card$49.99/year
- FX fee
- Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twiceCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Oobit Card$0.25 + 1%Coinbase One CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Oobit CardFreeCoinbase One CardNot disclosed
- Physical card
- Oobit CardNot disclosedCoinbase One CardNot disclosed
Plans
- Available plans
- Oobit 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
- Oobit CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Oobit CardVisaCoinbase One CardAmerican Express
- Card formats
- Oobit CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Oobit CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumCoinbase One CardNot disclosed
- Crypto deposits
- Oobit CardNot disclosedCoinbase One CardNot disclosed
- Fiat deposits
- Oobit CardNot disclosedCoinbase One CardNot disclosed
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutCoinbase One CardNot disclosed
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Coinbase One CardNot disclosed
Rewards
- Base cashback
- Oobit Card5%Coinbase One Card2%
- Max cashback
- Oobit Card10%Coinbase One Card4%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenCoinbase One CardBitcoin
Earn
- Advertised APY
- Oobit CardNot offeredCoinbase One CardNot disclosed
- How it works
- Oobit CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Oobit CardNot offeredCoinbase One CardNo
- Use balance for spending
- Oobit CardNot offeredCoinbase One CardNo
- Lock-up
- Oobit CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Oobit CardHybrid custodyCoinbase One CardCustodial
- Control until payment
- Oobit CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalCoinbase One CardFirst Electronic Bank
- Custody / key management
- Oobit CardNot disclosedCoinbase One CardCoinbase, Inc.
Sources
- Official sources
- Oobit Card16Coinbase One Card23
- Last reviewed
- Oobit CardOct 20, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Oobit or Coinbase One
Keeping control of your funds
Oobit suits spending while retaining control of your funds until payment. With Coinbase One, control passes to the provider before the purchase.
How you receive rewards
Choose by the reward asset you want to receive: Oobit lists Stablecoin rewards or OOB token; Coinbase One lists Bitcoin.
Keeping recurring costs down
Oobit's base plan is $0, compared with $49.99/year for Coinbase One. This favours Oobit for occasional use; card issuance and transaction fees are separate.
Common questions
Oobit vs Coinbase One FAQ
Is Oobit or Coinbase One better overall?
Oobit 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, Oobit or Coinbase One?
Oobit 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, Oobit or Coinbase One?
Oobit Card has the higher published base cashback rate (5% vs 2%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Coinbase One differ on custody?
Oobit Card uses a hybrid custody setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Oobit vs Coinbase One comparison?
The latest information check for these two cards was October 20, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.