SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Coinbase One: where the score gap comes from
Coinbase One Card has the higher Overall Score by 1 point (56 vs 55). 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, 202648 official sources reviewed
01 · Where the gap opens
Coinbase One Card is the better all-round starting point
Coinbase One Card has the higher Overall Score in this comparison. Solayer Pay 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.
OverallSolayer Pay55Coinbase One56Higher score
CashbackSolayer Pay21Coinbase One40Compare the details below
TravelSolayer Pay53Coinbase One60Compare the details below
Funds controlSolayer Pay47Coinbase One36Compare the details below
Lowest feesSolayer Pay43Coinbase One58Compare the details below
TransfersSolayer Pay29Coinbase One24Compare the details below
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Solayer Pay55Coinbase One56
Coinbase One Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Solayer Pay Card has the lower starting plan cost ($20/year vs $49.99/year).
- Purchase rewards
- Solayer Pay0% baseCoinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Solayer PayCustodial balanceCoinbase OneCustodial balance
Solayer Pay Card and Coinbase One Card use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + 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
- Solayer Pay1 stablecoin · Not modeledCoinbase One0 stablecoins · Not modeled
Solayer Pay Card lists more stablecoins and ways to send money out (1 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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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
CardsSolayer Pay CardOverall55Coinbase One CardOverall56
Solayer Pay CardOverall55Coinbase One CardOverall56Scores
6 fields- Overall Score
- Solayer Pay Card55Coinbase One Card56
- Cashback score
- Solayer Pay Card21Coinbase One Card40
- Travel score
- Solayer Pay Card53Coinbase One Card60
- Funds control score
- Solayer Pay Card47Coinbase One Card36
- Lowest fees score
- Solayer Pay Card43Coinbase One Card58
- Transfers score
- Solayer Pay Card29Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearCoinbase One Card$49.99/year
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Solayer Pay Card1%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Solayer Pay Card$0.15Coinbase One CardNot disclosed
- ATM fee
- Solayer Pay CardNot disclosedCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planCoinbase One CardNot disclosed
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Coinbase One CardNot disclosed
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Solayer Pay CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Solayer Pay CardVisaCoinbase One CardAmerican Express
- Card formats
- Solayer Pay CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Solayer Pay CardShown in appCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Solayer Pay CardShown in appCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Solayer Pay CardLimits shown in appCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaCoinbase One CardNot disclosed
- Crypto deposits
- Solayer Pay CardStablecoins: USDCCoinbase One CardNot disclosed
- Fiat deposits
- Solayer Pay CardNot disclosedCoinbase One CardNot disclosed
- Transfers
- Solayer Pay CardNot disclosedCoinbase One CardNot disclosed
- Payout currencies
- Solayer Pay CardNot disclosedCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Coinbase One Card2%
- Max cashback
- Solayer Pay CardNot disclosedCoinbase One Card4%
- Reward currency
- Solayer Pay CardEmerald PointsCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYCoinbase One CardUp to 3.5% APY
- How it works
- Solayer Pay CardEarn on spending balanceCoinbase One CardBorrow against collateral
- Separate deposit
- Solayer Pay CardNoCoinbase One CardNo
- Use balance for spending
- Solayer Pay CardYesCoinbase One CardNo
- Lock-up
- Solayer Pay CardNoCoinbase One CardYes
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialCoinbase One CardCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalCoinbase One CardFirst Electronic Bank
- Custody / key management
- Solayer Pay CardNot disclosedCoinbase One CardCoinbase, Inc.
- Identity verification
- Solayer Pay CardSumsubCoinbase One CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Coinbase One CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Coinbase One Card23
- Last reviewed
- Solayer Pay CardAug 12, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Coinbase One Card is the stronger all-round choice
Coinbase One Card finishes ahead with an Overall Score of 56 versus 55 for Solayer Pay Card. Solayer Pay Card has the lower starting plan cost ($20/year vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Solayer Pay Card and Coinbase One Card use the same custodial balance setup.
Solayer Pay Card lists more stablecoins and ways to send money out (1 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 Solayer Pay Card and Coinbase One Card reviews first.
Continue with
Solayer Pay Card
Continue with
Coinbase One Card
05 · Common questions
Solayer Pay vs Coinbase One FAQ
Is Solayer Pay or Coinbase One better overall?
Coinbase One Card has the higher Overall Score (56 vs 55). 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, Solayer Pay or Coinbase One?
Solayer Pay Card has the lower starting plan cost ($20/year 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, Solayer Pay 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 Solayer Pay and Coinbase One differ on custody?
Solayer Pay Card and Coinbase One Card use the same custodial balance setup.
How current is this Solayer Pay vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.