TangemTangem
79
Side-by-side card comparison
Tangem vs Coinbase One
Tangem Card has the higher Overall Score by 23 points (79 vs 56). Tangem 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 17, 202643 official sources reviewed
Tangem Card
Best fit
- Tangem users funding everyday purchases with supported USDC or USDT.
- Eligible purchases of $30 or more earning Basic's 1%, up to $100/month.
- Using USD bank transfers alongside crypto funding and physical-card spending.
Before you choose
- In-store EU/UK purchases earn no cashback, including phone-wallet payments.
- Plus costs $29.99/month unless you meet a fee-waiver condition.
- Refund balances can be spent by card but cannot be withdrawn on-chain.
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
CardsTangem CardOverall79Coinbase One CardOverall56
Tangem CardOverall79Coinbase One CardOverall56Scores
- Overall Score
- Tangem Card79Coinbase One Card56
- Cashback score
- Tangem Card74Coinbase One Card40
- Travel score
- Tangem Card64Coinbase One Card60
- Funds control score
- Tangem Card90Coinbase One Card36
- Lowest fees score
- Tangem Card54Coinbase One Card40
- Transfers score
- Tangem Card91Coinbase One Card24
Costs
- Plan cost
- Tangem Card$0Coinbase One Card$49.99/year
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Tangem Card0%Coinbase One CardNot disclosed
- ATM fee
- Tangem Card2–4%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Tangem Card$0 for the first virtual cardCoinbase One CardNot disclosed
- Physical card
- Tangem CardBasic: destination-dependent delivery shown before order; Plus: first physical delivery freeCoinbase One CardNot disclosed
Plans
- Available plans
- Tangem Card2 plans: Basic, PlusCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Tangem CardPlus: 2%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Tangem CardVisaCoinbase One CardAmerican Express
- Card formats
- Tangem CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumCoinbase One CardNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTCoinbase One CardNot disclosed
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositCoinbase One CardNot disclosed
- Transfers
- Tangem CardStablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalCoinbase One CardNot disclosed
- Payout currencies
- Tangem CardUSD, USDCCoinbase One CardNot disclosed
Rewards
- Base cashback
- Tangem Card1%Coinbase One Card2%
- Max cashback
- Tangem Card2%Coinbase One Card4%
- Reward currency
- Tangem CardUSDCCoinbase One CardBitcoin
Earn
- Advertised APY
- Tangem CardNot offeredCoinbase One CardNot disclosed
- How it works
- Tangem CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Tangem CardNot offeredCoinbase One CardNo
- Use balance for spending
- Tangem CardNot offeredCoinbase One CardNo
- Lock-up
- Tangem CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Tangem CardHybrid custodyCoinbase One CardCustodial
- Control until payment
- Tangem CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Tangem CardThird NationalCoinbase One CardFirst Electronic Bank
- Card processing
- Tangem CardPaera LLCCoinbase One CardNot disclosed
- Custody / key management
- Tangem CardNot disclosedCoinbase One CardCoinbase, Inc.
- Identity verification
- Tangem CardSumsubCoinbase One CardNot disclosed
Sources
- Official sources
- Tangem Card20Coinbase One Card23
- Last reviewed
- Tangem CardOct 17, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Tangem or Coinbase One
Keeping control of your funds
Tangem 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: Tangem lists USDC; Coinbase One lists Bitcoin.
Keeping recurring costs down
Tangem's base plan is $0, compared with $49.99/year for Coinbase One. This favours Tangem for occasional use; card issuance and transaction fees are separate.
Common questions
Tangem vs Coinbase One FAQ
Is Tangem or Coinbase One better overall?
Tangem Card has the higher Overall Score (79 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, Tangem or Coinbase One?
Tangem 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, Tangem or Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and Coinbase One differ on custody?
Tangem 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 Tangem vs Coinbase One comparison?
The latest information check for these two cards was October 17, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.