Coinbase One Card
by Coinbase · American Express · Credit card · Issuer terms last read Sep 28, 2026
The highest published rate on this page, and the only one that pays in bitcoin on a credit line rather than out of a balance you pre-funded. The catch is that the top rate is a function of how much you keep on Coinbase: 4% needs $200,000 of assets there, and above $10,000 of monthly spending every tier falls back to 2%. At 2% with no annual card fee it is still ahead of most cash-back cards, but the membership is a real cost and the card is US-only.
What works
- 2% in bitcoin at the entry tier, with no card annual fee
- Rewards paid in bitcoin, not a card token the issuer controls
- Credit line, so spending is not a disposal of your crypto
- 5% back on travel booked through the card's travel portal
What does not
- Requires a paid Coinbase One membership from $49.99/year
- The 2.5%, 3% and 4% tiers only apply to the first $10,000 of purchases each month
- United States only, excluding US territories
- Subject to a credit check and approval
Who it suits
US spenders who already keep a sizeable balance on Coinbase and want rewards in bitcoin rather than points.
Terms in full
Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.
- Network
- American Express
- Card type
- Credit card, issued by First Electronic Bank
- Reward
- 2% under $10,000 of assets on Coinbase; 2.5% from $10,000; 3% from $50,000; 4% from $200,000. The 2.5%, 3% and 4% rates apply to the first $10,000 of eligible purchases each calendar month, then 2%.
- Reward asset
- Bitcoin, credited to your Coinbase account
- Requirement
- An active paid Coinbase One membership; Basic requires the annual plan, from $49.99/year
- Annual fee
- None on the card itself
- Foreign exchange
- Not published on the product page
- Availability
- United States, excluding US territories
- Custody
- Custodial — rewards are held in your Coinbase account
- Tax treatment
- A credit card, so spending does not dispose of crypto; receiving bitcoin rewards may still be taxable
BTC on our index
The reward is paid in this token, so its price is part of what the card returns. Measured on the Coinmico index, not republished.
If this one does not fit
Questions about this card
Yes. Coinbase states the card is exclusively available to Coinbase One members and that an active paid membership is required to open and keep the account and to earn bitcoin back. For Coinbase One Basic an annual plan is required, starting at $49.99 per year.
The rate is set by your assets on Coinbase at the moment of purchase: 2% under $10,000, 2.5% from $10,000, 3% from $50,000 and 4% from $200,000. Above the first $10,000 of eligible purchases in a calendar month every tier pays 2%.
No. Coinbase says the card is available only within the United States, excluding US territories.