Issuer referenceCrypto cardAmerican Express

Coinbase One Card

A US credit card that pays every reward in bitcoin.

Coinbase One CardAmerican Express

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 cardsReviewed 2026-08

Rewards

2-4% BTC

Fees

No card fee beyond the Coinbase One membership

Custody

Custodial

Eligibility

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

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

Rewards

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

Official sources

Coinbase One CardCurrent First Electronic Bank issuer, Cardless programme role, American Express network, US eligibility, membership, and bitcoin reward tiers.Coinbase One Card rewards termsCurrent issuer, servicer, rewards administrator, tier thresholds, monthly cap, exclusions, and credit-product boundaries.Coinbase One cardholder agreementCurrent controlling issuer-servicer credit agreement, rates, fees, contact, and account terms.

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

Coinbase Card

Check official terms

Gemini Credit Card

Check official terms

Crypto.com Visa

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

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