Coinbase One Card vs Crypto.com Card
Key differences
- Coinbase One Card is a credit card that earns Bitcoin rewards (2-4% based on assets held), while Crypto.com Card is a prepaid Visa that earns CRO token rewards (1.5%-6% based on tier).
- Coinbase One Card requires an active Coinbase One membership ($4.99/month minimum) and a credit check, while Crypto.com Card has no credit check and only requires a subscription or CRO lockup for higher reward tiers.
- Coinbase One Card has no sign-up bonus, while Crypto.com offers tiered sign-up bonuses from $100 to $2,500 in CRO depending on the card tier selected.
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Card Material
Stainless steel card engraved with the Bitcoin Genesis Block
Metal card (all paid/lockup tiers). Color depends on tier (Midnight Blue, Ruby Steel, Jade, Indigo, Icy White, Rose Gold, Obsidian).
Card Details
Card Type
Credit Card
Prepaid Visa (not a credit card)
Network
American Express®
Visa Signature®
Annual Fee
$49.99/year (or $4.99/month) Coinbase One membership required
Varies by card tier
Rewards Details
Rewards Rate
Tiered rewards based on assets held on Coinbase:
- 2%: Less than $10,000 in assets
- 2.5%: $10,000-$50,000 in assets
- 3%: $50,000-$200,000 in assets
- 4%: More than $200,000 in assets
For the 2.5%, 3% and 4% rates, rewards are capped at $10,000 in purchases per month. After that, the rate drops to 2%.
Rewards rate by card tier (2026 rates):
- Midnight Blue (Basic): 0% back (free, no lockup or subscription)
- Ruby Steel (Plus): 2% back ($4.99/mo or $49.90/yr subscription, or $500 CRO lockup)
- Jade/Indigo (Pro): 3% back ($29.99/mo or $299.90/yr subscription, or $5,000 CRO lockup)
- Icy White/Rose Gold (Private): 4% back ($50,000 CRO lockup)
- Obsidian (Private): 5% back ($500,000 CRO lockup)
Rewards Type
Bitcoin (automatically deposited into Coinbase account after each purchase clears)
All rewards are paid in CRO (Crypto.com''s token). CRO can be exchanged for other assets in-app; value fluctuates.
Sign-Up Bonus
None
Midnight Blue $100 in CRO after $1,500 spend in 90 days
Ruby $200 in CRO after $2,000 in 90 days
Indigo/Jade $300 in CRO after $5,000 in 90 days
Icy/Rose $1,000 in CRO after $10,000 in 90 days
Obsidian $2,500 in CRO after $20,000 in 90 days
Rewards Cap
Tiered Rewards & Monthly Cap:
- <$10k AOC: 2% back, uncapped
- $10k–$49,999 AOC: 2.5% on first $10k/mo, then 2%
- $50k–$199,999 AOC: 3% on first $10k/mo, then 2%
- $200k+ AOC: 4% on first $10k/mo, then 2%
Monthly CRO reward cap
- Midnight Blue (Basic): N/A (0% rewards)
- Ruby (Plus): $25/mo
- Jade/Indigo (Pro): $75/mo
- Icy/Rose/Obsidian (Private): No limit
How Rewards Work
Bitcoin is automatically added to your Coinbase account after each purchase posts No claiming or conversion needed
CRO rewards usually credited instantly to your app wallet. Cannot access or sell locked CRO.
Signing Up
Availability
USA only
United States, Canada, Europe, UK, Australia, Singapore, Brazil & more (see Crypto.com for full list)
Eligibility
Available to- Coinbase One members in the U.S. (excluding U.S. Territories)
Subject to: Creditworthiness and other eligibility criteria
Available U.S. residents, many other countries.
ID verification required. No credit check.
Credit Check
No credit score impact when you check to see if you are approved
No credit check required (prepaid – load with fiat, not linked to bank/revolving credit)
Using The Card
Foreign Transaction Fees
$0 - No foreign transaction fees
$0 – No foreign transaction fees
Restrictions
Not all transactions are eligible to earn bitcoin back, including:
- Cash equivalent transactions
- Gambling or betting transactions
Coinbase may, at its sole discretion, determine a transaction is not eligible and may deny, restrict, or claw back bitcoin rewards accordingly.
Note Rewards only on eligible purchases (no rewards on some codes—see T&Cs). CRO lockup required for premium tiers. Program may change without notice.
APR
Regular APR
No APR for purchases – This card is a debit-style card, not a traditional credit card. You spend your own funds from your Coinbase account, so there is no purchase interest or regular APR. If you use the optional crypto-backed loan feature, loan APRs start around 5%.
N/A – Prepaid so no revolving balance or purchase APR
Intro APR
N/A – No introductory APR; card does not have a revolving credit line.
N/A – Prepaid, no promo APR
Additional Info
Official Site
Referral Program
Referral program Earn up to $25 in CRO for referring friends (with CRO staking and eligibility).
Launched
Fall 2025
2018 (most recent refresh in 2025)
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