The Coinbase One card pays a flat 2% back on everyday purchases with no annual fee and no foreign transaction fees, and it can climb to 2.5%, 3%, or 4% depending on how much you hold on Coinbase. Bookings for flights, hotels, and cars made through the Coinbase One Card Travel portal earn 5% in bitcoin, and that rate is not subject to the tier cap. The catch is that the higher tiers apply only to the first $10,000 in eligible purchases each month before dropping back to 2%, and reaching them means parking more assets on Coinbase. The card also requires a Coinbase One membership. If you already keep a meaningful balance on the platform and are comfortable earning in crypto, it can beat a standard 2% card; if not, its baseline is simply a plain flat-rate 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 |