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Coinbase / Card review
Crypto payment card
Coinbase One Card
US American Express credit card for Coinbase One members, paying rewards in BTC.
Before you apply
Selected tier / planAssets on Coinbase <10,000 USDCoinbase One Card
Select where you live, not your travel destination.
Choose your residence first
Important to check
- A listed country does not guarantee personal approval.
- Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Documents & application →Features & benefits
US Bitcoin rewards credit for existing One members.
- Rewards · first band
- 2% BTC
- Spending preferences
- Credit / collateral conditions
- Custody model
- Service account / loaded balance
Read the conditions behind the figures · Fees & benefit conditions ↓
A good fit if
- For US users already paying for Coinbase One who want rewards linked to Coinbase holdings.
The tradeoff
- Requires separate underwriting, bill repayment and an ongoing paid membership.
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
How the card works
- US American Express credit card for Coinbase One members, paying rewards in BTC.
View cards & plans2
Fees & benefit conditions
- Card issuance fee
- USD0 extra · paid membership required
- Maintenance / subscription
- Card USD0; One membership from USD49.99/year
- Foreign-currency fee
- 0%
Read the conditions behind the figures
- No separate card annual fee; paid Coinbase One starts at USD49.99/year.
- Rates above 2% apply only to the first USD10,000 eligible monthly spend.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
Documents & application
Documents to prepare
Check accepted ID and any address evidence in the application for your residence and program.
Steps on the official site or app
- Open the Coinbase One credit card application and review the prequalification result and offer.
- Accept the offer with an eligible paid Coinbase One membership; acceptance triggers a hard credit inquiry.
- After approval, use the virtual credentials when received; activate the physical card after delivery using the issuer’s instructions.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Full details & support
Full details
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- Official confirmation needed
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- Conversion timing
- Official confirmation needed
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Refunds & support
US Coinbase One credit card only.
- Cancellations, refunds and support
- Refunds follow cardholder terms and American Express rules. Dispute through Credit Card → transaction → Report an issue.
- How long does it take?
- No fixed ordinary-refund deadline was verified. Separate dispute investigations can take 2 billing cycles, capped at 90 days.
- Where is it returned?
- User terms apply refunds to the credit-card balance. This differs from debit-card USD Wallet refunds.
- Cancellation and subscriptions
- Credit Card → Manage → Lock card is temporary; membership fees and previously authorized/scheduled charges may continue. Losing eligible Coinbase One membership closes the card account.
- Declined or unfamiliar transactions
- Review Status and Reason in Credit Card transaction history. Causes include available credit, card locks, prohibited merchants or account status.
- What to prepare for support
- Coinbase One card specialists: 1-855-508-5066 for refund, fee and dispute questions.
Coinbase One card locking and replacement ↗
Coinbase US agreement — One refunds, membership and issuer ↗
2026.09.08 · Based on official documentation · not a firsthand payment test
Brand and custody
- Card issuer / operator
- First Electronic Bank
- Custody of funded balances
- Coinbase account (Bitcoin rewards; purchases use a separate credit line)
Activate the physical card after receipt using the issuer’s instructions. Purchases and repayment follow the separate credit card agreement.
An alternative to compare
For category rewards without paying for a Coinbase One membership.
Check regional termsOfficial documentation & sources
Official sources
Rewards ↗
Official terms · 2026-09-08 ↗
Official terms · 2026-09-08 ↗
Official terms · 2026-09-08 ↗
Coinbase One credit card fees ↗
US debit product and annual fee ↗
US debit application ↗
US debit first use ↗
US debit mobile wallets ↗
Gemini Credit Card ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026
Official terms reviewed · 2026-09-21
The review date applies to the fields below. Check the source for regional and tier differences and later changes.
- US debit card
- US debit card, excluding Hawaii. Rewards and spending/ATM limits are genuinely variable and shown in the individual app. No Coinbase transaction fee; crypto conversion spreads apply.