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Summary

Coinbase One card is among popular choices for crypto cards. The card carries many benefits and rewards in Bitcoin, which seems lucrative for the traders. Coinbase has a reputable crypto exchange, which adds to the trustworthiness of the credit card.

In the review article, we have examined the ongoing rewards, fees, perks, and benefits of the Coinbase One card and also compared them with other trending crypto credit cards. Let’s begin.

Quick Verdict

Coinbase One card stands among the top crypto credit cards in the market. It offers verified Bitcoin rewards to users. There are Amex card perks and travel insurance up to $1500 that can be redeemed on global travel. Altogether, a card with many benefits. The trust signals also suggest a reputable, scam-proof card for crypto users.

CoinGape’s Review on Coinbase Card

After reviewing the documentation of the Coinbase website such as terms and agreement, and learning more about rewards, fees, and perks. Here is our verdict:

The Coinbase One card’s Bitcoin back rewards follow a tier system. The rewards come in three tiers, ranging from 2% to 4%. The higher the tier, the more Bitcoin the user receives. The card does not charge any annual fees, foreign exchange fees, or transaction fees to the user. However, in order to receive a Coinbase one card, you must first pay $49.99 for membership.

The fees for late charges and cash advances are standard, but the APRs are high. We rate this card 8.2/10 based on rewards, overall fees, and other extra benefits.

Key Features & Specs

Fees and hidden costs

We invested our time browsing the website’s documentation and reading through the Coinbase cardholder’s agreement for fees, rates, and rewards in search of fees and hidden costs. Here’s what we found.

• The ideal annual percentage rate ranges from 19.49% to 29.49%. The user’s creditworthiness is considered when opening an account.
• The APR for cash advances is 32.24%. When opening an account, the user’s creditworthiness is taken into consideration.
• There is no penalty or annual charge. Also, there is no minimum interest charge.
• Cash advance transaction fees are $10 or 5% of the total amount of each cash transaction, whichever is greater.
• The penalty for late payment is up to $41.
• The penalty fee on returned payment is up to $41.

Additional Costs (if any)

The majority of the fees and charges for the Coinbase One card have been clearly stated; however, there are a few that require special attention.According to the official website’s home page, obtaining a credit card requires Coinbase membership. The membership fees are $49.99.

How are Coinbase One Card fees applied?

If you spend $100 on any purchase and pay only the minimum of $10, you can carry that balance for a year. The annual APR ranges from 19.49% to 29.99%, plus a $41 late fee penalty. The credit card bill for payment would be between $150 and $162.

PROS and CONS

• Bitcoin Rewards on Every Spend
• Travel & Purchase Protection
• No annual fees, transaction costs and No foreign exchange fees.

• Market Fluctuation affects BTC Rewards
• Higher APRs

Security, Regulation, and Trust Signals

About the company 

Coinbase Inc., was established in 2012 by Brian Armstrong and Fred Ehrsam. The Coinbase One card is made available from October 2025. The card is jointly owned by Coinbase Inc., First Electronic Bank (issuer), and Cardless (tech platform). 

Regulatory compliance 

It is issued by First Electronic Bank, a US-FDICregistered bank, and operates on the American Express network. Coinbase is registered as a Money Service Business in the United States. It is overseen by the the CFPB. 

Insurance 

There is no clear insurance reflected by Coinbase, or particularly for Coinbase one. Coinbase one account protection also covers Coinbase account along with credit card from the unauthorized transactions. 

Past Scams or Hacks 

There has been no card-related controversy or registration. Even Coinbase has a sterling reputation and has never faced any SEC charges.

Conclusion

The Coinbase One card offers a variety of lucrative rewards to its users. This card is best suited for those looking to earn Bitcoin rewards. Amex cardholders can also enjoy dining and shopping benefits. If you frequently travel, this card is for you. However, if you are not interested in paying the membership fee, this may appear to be a dead deal for you. Coinbase does not issue a single card without membership.

Neeti is a crypto analyst and content writer with more than eight years of experience in the blockchain industry. She covers crypto markets, regulation, and product research, with a strong focus on crypto cards, digital payments, and how users spend crypto in real-world scenarios.
She has worked with several leading crypto platforms, contributed to Blockchain Council’s certification programs, and ghostwritten for Cryptonews. Her work is grounded in issuer documentation, fee structures, custody models, and usability rather than promotional claims.

Source: https://coingape.com/coinbase-card-review/

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