Image: Coinbase
Image: Crypto.comCoinbase Card vs Crypto.com Visa Card
Quick answer
Both are custodial cards from major exchanges with rewards tied to a paid plan. In the US, the Coinbase One Card pays 2% to 4% in bitcoin with a Coinbase One membership from $49.99 a year. Crypto.com pays up to 4.5% in CRO on prepaid cards (up to 6% on its US credit card) with Level Up plans from $4.99 a month or a CRO lockup. Crypto.com is available in more countries.
Coinbase Card and Crypto.com Visa Card compared
| Coinbase Card | Crypto.com Visa Card | |
|---|---|---|
| Our score | 6.3/10 | 6.4/10 |
| Best for | US residents who already use Coinbase and want bitcoin rewards on everyday spending. | People who already use the Crypto.com app and are happy to subscribe or lock CRO for better rewards. |
| Cashback | 2% to 4% in BTC (Coinbase One Card, US) | Up to 4.5% in CRO (prepaid), up to 6% (US credit) |
| Card cost | Not publicly listed for the debit card. Coinbase One Card: first replacement waived, then up to $40. | Varies by region and tier. Check the app. |
| Annual fee | Debit card: no annual fee listed. Coinbase One Card: no card fee, but you need Coinbase One (Basic $49.99 a year or $5 a month, full plan $29.99 a month). | No annual card fee on prepaid cards. Level Up plans start at $4.99 a month. |
| FX | Not publicly disclosed. Check the app for your country. | No foreign transaction fees on the prepaid card in the US, Canada and EEA, but fees may apply on some tiers or in some jurisdictions |
| Conversion | Not publicly disclosed | Not publicly listed. Top-ups from crypto use Crypto.com's conversion rate. |
| ATM | Debit card: $0 from Coinbase (ATM operators may charge). Coinbase One Card cash advance: greater of $10 or 5%. | ATM withdrawals supported on prepaid cards. Fees and free limits depend on your region and tier. |
| Custody | Custodial (Coinbase holds your balance) | Custodial (Crypto.com holds your balance) |
| Network | Visa (debit card). American Express (Coinbase One Card). | Visa (Mastercard in Bahrain) |
| Top up with | Spends USDC from your Coinbase account (debit card); Buy USDC on Coinbase with a bank transfer or card; Deposit crypto from any wallet to Coinbase; Coinbase One Card is a credit card, so you pay the bill instead of topping up | Crypto from your Crypto.com app balance; Fiat from your Crypto.com fiat wallet (bank transfer where supported); Debit or credit card top-ups in some regions |
| Withdraw by | Cash out to your bank account from Coinbase; Send crypto to any wallet; ATM cash withdrawals with the debit card | Move funds back to your Crypto.com app; Withdraw fiat to your bank through the fiat wallet; Withdraw crypto onchain from the app; ATM cash withdrawals |
| Where it works | Debit card in the US and 31 European countries including the UK. Coinbase One Card in the US only. | US (prepaid and credit), Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain. |
| Last checked | 15 October 2026 | 15 October 2026 |
Which one should you pick?
In the US, the Coinbase One Card is the simpler choice: bitcoin rewards on everything and a single membership. Crypto.com reaches more regions, including Canada, Asia-Pacific and Brazil, and can pay more on its top tiers, but rewards come in CRO and the best rates need a subscription or a year-long lockup. Outside the US and Europe, Crypto.com is usually the only one of the two you can get.
Frequently asked questions
Which is cheaper abroad, Coinbase Card or Crypto.com Visa Card?
On the entry tier, Crypto.com Visa Card has the lower FX markup. Coinbase Card: Not publicly disclosed. Check the app for your country.. Crypto.com Visa Card: No foreign transaction fees on the prepaid card in the US, Canada and EEA, but fees may apply on some tiers or in some jurisdictions.
Which pays more cashback, Coinbase Card or Crypto.com Visa Card?
Crypto.com Visa Card has the higher top rate. Coinbase Card: 2% to 4% in BTC (Coinbase One Card, US). Crypto.com Visa Card: Up to 4.5% in CRO (prepaid), up to 6% (US credit). Check caps and requirements on each review.
Are Coinbase Card and Crypto.com Visa Card self-custody?
Coinbase Card: Custodial (Coinbase holds your balance). Crypto.com Visa Card: Custodial (Crypto.com holds your balance).