Coinbase One (Amex) Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

2-4% BTC

Annual Fee

$49.99-$2,999.99/yr

Region

US (NOT NY/HI)

Type

Credit

Network

Amex

KYC

full

Mobile Pay

Apple Pay, Google Pay, Samsung Pay

Overview

Coinbase is a US-based cryptocurrency exchange founded in 2012 by Brian Armstrong and Fred Ehrsam. It became the first major crypto company to go public via direct listing on Nasdaq (ticker: COIN) in April 2021. With over 100 million verified users globally, it remains one of the most regulated and institutionally-trusted on-ramps in the industry.

The Coinbase One (Amex) is a crypto credit card offered by Coinbase, available in US (NOT NY/HI). It offers 2-4% BTC cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $49.99-$2,999.99/yr.

Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Amex network and requires full identity verification.

Fees & Costs

Conversion Fee

N/A (credit card)

FX Fee

2.7% (Amex foreign txn fee)

Cashback Tiers

Coinbase One (Amex) cashback tiers and requirements

Tier	Rate	Requirement
Base	2%	All cardholders
Tier 2	2.5%	$10K+ assets on Coinbase
Tier 3	3%	$50K+ assets on Coinbase
Tier 4	4%	$200K+ assets on Coinbase

Pros

• High cashback rate of up to 2-4% BTC
• True credit card - no need to pre-fund with crypto
• Supports Apple Pay and Google Pay

Cons

• Annual fee of $49.99-$2,999.99/yr may reduce net returns
• Only available in the United States
• Monthly cashback caps may limit earnings

Note: NOT available in NY/HI. Requires Coinbase One membership ($4.99/mo or $49.99/yr for base; up to $299.99/mo or $2,999.99/yr). Enhanced rates capped at $10K/mo spend.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Robinhood Gold Card by Robinhood - 3% all + 5% travel cashback, $50/yr or $5/mo (Gold membership) fee, US Only
• Gemini Credit Card by Gemini - 1-4% cashback, $0 fee, US Only
• Venmo Credit Card by Venmo (PayPal) - 1-3% cashback, $0 fee, US Only
• Crypto.com US Credit Card by Crypto.com - 1.5-6.5% CRO cashback, $0 fee, US (49 states, excl. NY)
• Fold Credit Card by Fold - 1.5-4% BTC cashback, $0 fee, US
• Robinhood Platinum Card by Robinhood - 1-10% cashback, $695/yr fee, US Only
• Coinbase Debit Card by Coinbase - Up to 4% cashback, $0 fee, US (excl. HI)
• Aven Bitcoin Visa Card by Aven - 2% USD cashback, $0 fee, US

FAQ

What is the Coinbase One (Amex)?

The Coinbase One (Amex) is a crypto credit card offered by Coinbase. It is available in US (NOT NY/HI) and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the Coinbase One (Amex) offer?

The Coinbase One (Amex) offers 2-4% BTC cashback. There are 4 tiers: Base (2%), Tier 2 (2.5%), Tier 3 (3%), Tier 4 (4%).

What are the fees for the Coinbase One (Amex)?

The Coinbase One (Amex) has an annual fee of $49.99-$2,999.99/yr. Additional fees: Conversion fee: N/A (credit card); FX fee: 2.7% (Amex foreign txn fee).

Where is the Coinbase One (Amex) available?

The Coinbase One (Amex) is available in US (NOT NY/HI). Its availability status is "US".

Is the Coinbase One (Amex) a credit or debit card?

The Coinbase One (Amex) is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.

Does the Coinbase One (Amex) support Apple Pay or Google Pay?

Yes, the Coinbase One (Amex) supports Apple Pay and Google Pay and Samsung Pay for contactless payments.

Visit Coinbase

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.