Coinbase One Card
American Express network credit card from Coinbase that pays bitcoin back, open only to Coinbase One members.
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Coinbase One Card key facts
| Category | Crypto card |
|---|---|
| Platforms | iOS, Android, Web |
| Fees | No annual fee with Coinbase One; no foreign transaction fees; Coinbase One membership from $49.99 per year |
| Pricing | Up to 4% bitcoin back, tiered by assets held on Coinbase; 5% back on Coinbase One Card Travel bookings |
| US availability | United States only, excluding U.S. territories |
| Company | Credit card offered by Coinbase, Inc. and Cardless, Inc.; issued by First Electronic Bank |
What is Coinbase One Card?
Coinbase One Card is a credit card on the American Express network that pays up to 4% bitcoin back, with the rate tied to how much you hold on Coinbase. It is offered through Coinbase and Cardless and issued by First Electronic Bank. It requires a paid Coinbase One membership, which starts at $49.99 per year.
How Coinbase One Card works
The Coinbase One Card is a credit card on the American Express network that pays rewards in bitcoin.
Your rate depends on assets held on Coinbase: 2% up to $10,000, 2.5% from $10,000 to $50,000, 3% from $50,000 to $200,000, and 4% above $200,000. The higher rates apply only to the first $10,000 of eligible purchases each calendar month, then you earn up to 2% for the rest of the month. Flights, hotels and car rentals booked through the card's travel portal earn 5% bitcoin back.
Coinbase states it does not lend or rehypothecate your crypto to fund rewards. Rewards count as rebates, so they are not taxed when received, but any gain is taxable when you sell the bitcoin. The card carries Amex benefits such as retail protection, extended warranty, car rental loss and damage insurance and trip cancellation coverage, though it does not appear in an Amex account.
How to start with Coinbase One Card
- You must be 18 or older, live in the US outside U.S. territories, have a verified Coinbase account and hold a Coinbase One plan of $49.99 a year or higher.
- In the app, select Credit card, then Get started, enter your annual income and apply.
- You see approval and your credit limit without affecting your score.
- A hard credit inquiry is run only if you accept the offer.
- If you are not approved for the standard card, you may be offered a secured version backed by a USDC deposit that Coinbase holds and that sets your credit limit.
- The deposit comes from your USDC balance, and you are prompted to buy more if it falls short.
- Basic monthly Coinbase One members are not eligible for it.
- You pay the bill from a linked bank account or an accepted crypto balance, and can set up autopay.
Coinbase One Card fees and limits
- Other fees: cash advances cost $10 or 5% of each advance, whichever is greater.
- Late and returned payments cost up to $41 each, and replacement cards cost up to $40 after the first free one.
The card has no annual fee of its own, since the Coinbase One membership covers it, and Coinbase charges no ATM fees. Coinbase One plans renew automatically. Annual premium plans are not refunded, and active cardholders cannot get a full membership refund.
Risks to know before using Coinbase One Card
- This is a revolving credit line with an APR shown only at approval, so carrying a balance costs interest.
- On the secured version, if the account is closed or defaults, your USDC deposit is applied to the balance, and you still owe any remainder.
- The top reward rates depend on keeping large balances on Coinbase, a custodial exchange.
- If your Coinbase One membership becomes inactive or is canceled, Coinbase says the card account may be closed.
Coinbase One Card alternatives
Other projects people compare with Coinbase One Card.
Bitcoin rewards app with a prepaid Visa debit card and a bitcoin rewards credit card.
Mastercard World Elite credit card from the Gemini exchange that pays rewards in crypto.
Prepaid Visa debit card from Coinbase that spends USD or crypto and pays crypto rewards.
Coinbase One Card pros and cons
- No annual card fee and no foreign transaction fees
- 5% bitcoin back on flights, hotels and cars booked through Coinbase One Card Travel
- Secured option backed by a USDC deposit if you are declined
- Requires a paid Coinbase One membership from $49.99 per year
- Top 4% rate depends on holding more assets on Coinbase
- Not available in U.S. territories
Coinbase One Card FAQ
What is Coinbase One Card?
Coinbase One Card is a credit card on the American Express network that pays up to 4% bitcoin back, with the rate tied to how much you hold on Coinbase. It is offered through Coinbase and Cardless and issued by First Electronic Bank. It requires a paid Coinbase One membership, which starts at $49.99 per year.
How much does Coinbase One Card cost?
No annual fee with Coinbase One; no foreign transaction fees; Coinbase One membership from $49.99 per year, according to Coinbase One Card’s own page (checked Sep 26, 2026).
Is Coinbase One Card available in the US?
United States only, excluding U.S. territories, according to Coinbase One Card’s own page (checked Sep 26, 2026).
Sources
- Coinbase One Card: official site
- Coinbase: Coinbase One Card overview
- Coinbase: Apply for a Coinbase One Card
- Coinbase: Coinbase One Card benefits and features
- Coinbase: Coinbase One Card fees
- Coinbase: Coinbase One Card with security deposit
- Coinbase: Coinbase One Card payments
- Coinbase: Coinbase One billing
How this page works
Sources: Coinbase One Card: official site, Coinbase: Coinbase One Card overview, Coinbase: Apply for a Coinbase One Card. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.