B-Tier - SituationalCrypto cardAmerican Express

Coinbase One Card

A US credit card that pays every reward in bitcoin.

The Coinbase One Card is an American Express credit card for US Coinbase One members that pays 2%-4% of every purchase back in bitcoin. The rate scales with the assets you hold on Coinbase - including USDC - so reaching the top tiers does not require holding volatile assets. It is a credit card with a real credit line, not a prepaid crypto card.

Go to official site View all cardsData verified: 2026-07

Max cashback

4% (BTC)

Monthly fee

No card fee beyond the Coinbase One membership

Custody

Custodial

Regions

United States

Fees

Monthly feeNo card fee beyond the Coinbase One membership

IssuanceIncluded with membership

FXStandard Amex credit card terms apply

ATMCredit card - not designed for ATM cash withdrawals

Cashback

2% - 4%Paid in BTC

2%-4% bitcoin back tiered by assets held on Coinbase; higher tiers capped at $10,000 of eligible purchases per month (2% thereafter).

Availability

United States only (excluding territories); requires an active Coinbase One membership.

United States

Pros & cons

Pros

All rewards paid in BTC automatically
Up to 4% back, among the best US crypto rewards
Tier qualification can be met with USDC or USD
Real credit card with Amex benefits

Cons

US only
Requires a paid Coinbase One membership
4% tier requires significant assets on Coinbase
Amex acceptance is narrower than Visa/Mastercard abroad

Best for

US residents
Bitcoin accumulators
Coinbase users

Alternatives

Crypto.com Visa

The veteran tiered Visa: rewards scale with the CRO you lock.

Ether.fi Cash

The DeFi-native card: spend against your staked ETH without unstaking.

KAST

A stablecoin neobank: hold digital dollars, spend them anywhere with USD cashback.

This is not financial advice. Conditions change frequently: verify fees, cashback and availability on the official site before signing up.

Pros & cons

Pros

All rewards paid in BTC automatically
Up to 4% back, among the best US crypto rewards
Tier qualification can be met with USDC or USD
Real credit card with Amex benefits

Cons

US only
Requires a paid Coinbase One membership
4% tier requires significant assets on Coinbase
Amex acceptance is narrower than Visa/Mastercard abroad