Crypto.com Visa vs Coinbase Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

PREPAIDCrypto.com logo
CASHBACK
4.5%
ANNUAL FEE
Free
CRYPTO.COM VISA
CRYPTO.COM
VISA

Crypto.com Visa

Crypto.com
  • No fees
  • Apple Pay
  • Google Pay
DEBITissued by Pathward, N.A.; powered by Marqeta logo
CASHBACK
Variable
ANNUAL FEE
Free
COINBASE CARD
ISSUED BY PATHWARD, N.A.; POWERED BY MARQETA
VISA

Coinbase Card

issued by Pathward, N.A.; powered by Marqeta
  • No fees
  • No staking
  • Apple Pay
  • Google Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Crypto.com Visa and the Coinbase Card
CriterionCrypto.com VisaCoinbase Card
Overall3.0 / 54.0 / 5
Cost 25%3.0No annual card fee, but the free plan has up to 3% FX in some regions (such as the US), an inactivity fee after 12 months without use, and 2% on ATM withdrawals above the allowance.4.5No annual or card fee and no Coinbase transaction fee on spending; the cost is the spread Coinbase applies when it converts crypto.
Conditions 25%3.5The best-value plan within reach, Level Up Pro, costs $299.90 a year. Better rates need a 12-month CRO lock-up, which we don't count.5.0Nothing to stake, hold or subscribe to, and no minimum balance.
Rewards 25%2.0The free plan pays 0% on spending. Level Up Pro's 2.5% on up to $1,500 is about $450 a year — only about $150 more than its fee (≈0.8%) — and paid in CRO.2.0There is no standing cashback rate — rewards are rotating offers you opt into in the app, so a cardholder cannot count on a particular return.
Reliability 25%3.5Large issuer with well-documented regional terms, but rewards and benefits have been cut repeatedly.4.5A large, publicly listed issuer with clear terms, issued by Pathward, and our data was re-checked this month.
Crypto.com Visa

Crypto.com Prepaid Visa is a feature-rich but condition-heavy crypto card. Basic users get no everyday spending rewards, while higher Level Up plans can provide up to 4.5% CRO rewards plus valuable Travel, subscription and lounge benefits. The trade-off is meaningful: higher rewards require subscriptions or substantial CRO commitments, while FX, ATM fees, limits and availability vary by region. It is a strong choice for users willing to meet the Level Up requirements, but less compelling for users looking for a simple no-strings-attached cashback card.

QUICK VERDICT

Who wins on what

  • NO TOKEN LOCK-UP
    Coinbase Card
    headline rate without staking

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Crypto.com Visa is a prepaid card while Coinbase Card is a debit card — that changes how you fund it, not just what it pays.
  • Rewards arrive in different assets: CRO or BTC, depending on eligibility and selected reward token; subscription rebates are always paid in CRO on the Crypto.com Visa, Cryptocurrency tokens from the currently available Coinbase reward offers on the Coinbase Card.
EVERY FIELD

Crypto.com Visa vs Coinbase Card, side by side

Full field-by-field comparison of the Crypto.com Visa and the Coinbase Card
FieldCrypto.com VisaCoinbase Card
Card typePrepaidDebit
NetworkVisaVisa
Max cashbackUp to 4.5%Variable
Rewards paid inCRO or BTC, depending on eligibility and selected reward token; subscription rebates are always paid in CROCryptocurrency tokens from the currently available Coinbase reward offers
Annual feeFreeFree
Monthly feeBasic is free; Level Up Plus and Pro have paid subscription options; Private requires qualifying CRO lockup/stakingNone
FX feeVaries by region and tierNo Coinbase transaction fee for card spending; crypto conversion may include Coinbase's spread
ATM feeMonthly free ATM limit varies by region and card tier; 2% on amounts above the free limit. ATM operator surcharges count towards the free limit.No Coinbase fee; ATM operator fees may apply
Crypto conversionVaries by transaction and jurisdictionNo Coinbase card transaction fee; Coinbase includes a spread when it buys, sells or trades cryptocurrency
Where it worksSingapore, APAC, Australia & New Zealand, United States, Canada, European Union, United Kingdom, Brazil & select LATAM marketsUnited States (NOT available in: Hawaii)
Self-custodyNoNo
No staking neededNoYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Crypto.com Visa vs Coinbase Card: common questions

Which is better, the Crypto.com Visa or the Coinbase Card?

It depends on what you optimise for. Crypto.com Visa is a prepaid card advertising up to 4.5%; Coinbase Card is a debit card advertising Variable. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Crypto.com Visa and the Coinbase Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Crypto.com Visa review →Coinbase Card review →Compare three cards instead

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