Crypto Card FinderBeta

Coinbase One Card

A custodial card that pays cashback in BTC. 4 plans, from $49.99 to $49.99 a year.

  • Terms checked 27 Sep 2026
  • Credit
  • Custodial
  • Apple Pay and Google Pay
  • No FX fee abroad
  • Travel insurance
  • Subscription deals
  • Metal card
a month in

$35.83 a month

1.8% effective, advertised up to 4.0%, on the Tier 1 (under $10k on Coinbase) plan

$40.00 cashback$4.17 card fees$0.00 FX and other fees

Visit Coinbase One Card

Affiliate link: we may earn a commission if you sign up.

Pick a plan

  • Highest at this spend

    Tier 1 (under $10k on Coinbase)

    $49.99 a year, 2% on everything

    $35.83 a month, 1.8%

  • Tier 2 ($10k+ on Coinbase)

    $49.99 a year, 2.5% on the first $10,000, then 2%, needs about $10,000 staked

    Needs staking at this spend

  • Tier 3 ($50k+ on Coinbase)

    $49.99 a year, 3% on the first $10,000, then 2%, needs about $50,000 staked

    Needs staking at this spend

  • Tier 4 ($200k+ on Coinbase)

    $49.99 a year, 4% on the first $10,000, then 2%, needs about $200,000 staked

    Needs staking at this spend

What you keep as spend grows

0%1%2%3%4%$1k$2.5k$5k$7.5k$10kAdvertised: up to 4%1.79% at $2,000

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.
Show as a table
Monthly spendWhat you keepPlan
$2500.33%Tier 1 (under $10k on Coinbase)
$5001.17%Tier 1 (under $10k on Coinbase)
$7501.44%Tier 1 (under $10k on Coinbase)
$1,0001.58%Tier 1 (under $10k on Coinbase)
$1,5001.72%Tier 1 (under $10k on Coinbase)
$2,0001.79%Tier 1 (under $10k on Coinbase)
$2,5001.83%Tier 1 (under $10k on Coinbase)
$3,0001.86%Tier 1 (under $10k on Coinbase)
$4,0001.9%Tier 1 (under $10k on Coinbase)
$5,0001.92%Tier 1 (under $10k on Coinbase)
$6,0001.93%Tier 1 (under $10k on Coinbase)
$7,5001.94%Tier 1 (under $10k on Coinbase)
$10,0001.96%Tier 1 (under $10k on Coinbase)

Every fee

Yearly fee
$49.99
FX fee
0%: no foreign transaction fee (Coinbase card page and multiple reviews; the cardholder agreement points to the Truth in Lending fee table for this line)
Conversion fee
$0 per purchase; purchase APR Prime + 12.74% to Prime + 22.74% variable if you carry a balance (cardholder agreement effective 11 May 2026)
Topping up
Credit line repaid monthly; late payment fee up to $41 (cardholder agreement)
ATM withdrawals
Cash advances carry a Prime + 25.49% variable APR (cardholder agreement); cash advance fee not verified
Card issue
$0 card fee (metal card); requires a paid Coinbase One membership, cheapest qualifying plan is Basic annual at $49.99/yr
Monthly fee
$0 card fee; Coinbase One Basic annual $49.99/yr (the $4.99/mo Basic monthly plan does not qualify for the card)

Our own test

We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.

Where these numbers come from

Coinbase One Card's published terms, checked 27 September 2026. Where sources disagree we use the less generous reading.

Our research notes

VERIFIED 2026-09-27 from Coinbase's own pages via search results (not opened directly): the Rewards Program Terms (coinbase.com/legal/creditcard/rewards), the card page (coinbase.com/creditcard), the help centre (benefits, travel portal, digital wallets, security deposit) and the Cardless cardholder agreement effective 11 May 2026. REWARDS: bitcoin back is tiered by Assets on Coinbase (AOC) when a purchase is initiated: 2% under $10,000, 2.5% from $10,000 to $49,999.99, 3% from $50,000 to $199,999.99, 4% at $200,000+. The 2.5%, 3% and 4% rates apply to a combined $10,000 of eligible purchases per calendar month, then 2%. AOC is the real-time balance for the first 60 days after account opening, then the average of daily end-of-day balances over the past 30 days. Cash advances, cash equivalents and gambling earn nothing. MODELLING: each AOC tier is a plan, with the asset threshold as requiresStake (these are USD figures, so no token price is needed). Reviews say USD and USDC balances count toward AOC, so the engine's token-depreciation assumption on a stake overstates the cost of holding stablecoins; with willingToStake off the engine uses Tier 1 only. Every plan carries the $49.99/yr Coinbase One Basic annual fee, because an active paid membership is required to open and keep the card and to earn rewards; Basic monthly ($4.99/mo) does not qualify, and Preferred ($29.99/mo) and Premium ($299.99/mo) also qualify at higher cost. Travel portal (5%) and Amex Offers are category or merchant rewards and are not in the tiers. FEES: no card annual fee and no foreign transaction fee per the official card page; the cardholder agreement's own text only says a foreign transaction fee would be listed in the Truth in Lending fee table, and that table was not seen directly, so FX 0% is MED-HIGH (official page via search, several reviews agree). Purchase APR Prime + 12.74% to Prime + 22.74%, cash advance APR Prime + 25.49%, late fee up to $41 (cardholder agreement via search). NETWORK: the card runs on American Express, which the site's network field does not yet support, so network is left blank. STATUS: launched to US Coinbase One members on 22 Oct 2025 after a waitlist that opened in June 2025; no rate or tier change found between launch and 27 Sep 2026, and no change announced for the coming weeks. STILL TO VERIFY: the rates and fees table itself (FX, cash advance fee), whether an instant virtual card is issued before the metal card arrives, and whether any US state is excluded.

What's good and what to watch

Good

  • 2% back in bitcoin on every eligible purchase at the entry tier, with no cap on the 2% rate
  • Up to 4% on the first $10,000 a month for members holding $200,000+ on Coinbase (2.5% from $10,000, 3% from $50,000)
  • No card annual fee and no foreign transaction fee
  • American Express network protections: Retail, Return and Extended Warranty protection plus car rental and trip cover
  • 5% bitcoin back on travel booked in the Coinbase app, outside the $10,000 cap

Watch

  • Needs a paid Coinbase One membership: Basic annual at $49.99/yr is the cheapest route, and the monthly Basic plan does not qualify
  • US only (not US territories) and subject to a credit check; the secured fallback needs a USDC deposit from $100
  • The higher tiers depend on a 30-day average of assets held on Coinbase, so you must keep a large balance with one custodial exchange
  • Boosted rates stop after $10,000 of purchases a month; spend above that earns 2%
  • Rewards arrive in BTC, so their value moves with the bitcoin price

At a glance

Custody
custodial
Card type
credit
Form
physical
Mobile wallets
✓ Apple Pay✓ Google Pay
Availability
United States (excluding US territories)
KYC
Verified Coinbase account plus a credit application with First Electronic Bank
Funding
Credit line (monthly statement)
Spending limit
Credit limit set at approval (not published)

Perks and benefits

  • Travel insurance
    American Express network cover: car rental loss and damage, trip cancellation and interruption, lost or damaged luggage, roadside and emergency assistance (terms apply)
  • Purchase protection
    American Express Retail Protection, Return Protection and Extended Warranty (adds up to 12 months to a manufacturer warranty of 12 months or less)
  • Offers & credits
    5% bitcoin back on flights, hotels and car rentals booked through Coinbase One Card Travel; Amex Offers and Amex Experiences
Visit Coinbase One Card

Affiliate link: we may earn a commission if you sign up.

General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.

Coinbase One CardVisit Coinbase One Card

Affiliate link: we may earn a commission if you sign up.