The pitch is 2% back in bitcoin on everything, rising to 2.5%, 3%, or 4% depending on how much you hold on Coinbase, with no annual fee on the card itself. The conditions do most of the work here, though: anything above the 2% tier is capped at $10,000 of eligible purchases per month and reverts to 2% beyond that, and the whole program requires an active Coinbase One membership, which is a separate cost to account for. Flights, hotels, and cars booked through the Coinbase One Card travel portal earn 5% and sit outside that tier cap, which is the most interesting rate on the card. Rewards pay out in bitcoin, so what you earn moves with the market instead of sitting still like cash back, and you should be comfortable with that before routing everyday spending here. With a 19.49% to 29.49% APR and no foreign transaction fee, it fits people already deep in the Coinbase ecosystem better than someone shopping for a dependable flat rate cash back card.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) 5% bitcoin back on flights, hotels, and cars booked through the Coinbase One Card Travel portal (not subject to the tier cap) | 5% |
Everything Else Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership. | 2% |
Card details
Regular APR | 19.49%–29.49% variable |
Foreign transaction fee | None |