Coinbase Card vs Crypto.com Visa Card
How does Coinbase Card compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Crypto.com Visa Card · provisional, see how we rate
Quick answer. Coinbase Card and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: annual fee (Coinbase Card: $0 (no annual fee) vs Crypto.com Visa Card: Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 6.8/10), but the best pick depends on your country and how you spend.
| Feature | Coinbase Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 6.8/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Visa | Visa |
| Rewards | Optional crypto rewards on purchases, US card users only, variable reward rate (no fixed rate stated) | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% |
| Annual fee | $0 (no annual fee) | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake |
| FX fee | — | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | — | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | Spend USD and crypto held on Coinbase (incl. USDC) with no spending fee; crypto auto-converts to USD at point of sale | Rewards paid in CRO |
| Availability | US (all states except Hawaii) | — |
| Apple / Google Pay | Yes | — |
Choosing between the Coinbase Card and the Crypto.com Visa Card depends on your specific needs and preferences. Both cards offer unique benefits and drawbacks, so understanding your priorities is key to making the right choice.
Choose Coinbase Card if…
- You want a card with no annual fee and zero spending fees for USD and crypto transactions.
- You prefer a card that works with Apple Pay and Google Pay and is accepted at over 40 million Visa merchants.
- You are a US resident (excluding Hawaii) and want a card that allows you to spend both USD and crypto held on Coinbase without additional fees.
- You are not interested in staking or locking up funds to access higher rewards or benefits.
- You prefer a card with a straightforward fee structure and no requirement for a credit check or application fee.
Choose Crypto.com Visa Card if…
- You are interested in earning tiered cashback rewards in CRO, with rates up to 4.5% on everyday spending.
- You are willing to stake or lock up CRO to unlock higher reward tiers and additional benefits, such as no foreign transaction fees on certain tiers.
- You are comfortable with a card that has a tiered fee structure, including monthly or annual subscription fees for lower tiers and higher cashback limits for higher tiers.
- You want a card that offers no foreign transaction fees on certain tiers, which can be beneficial if you frequently make purchases in non-USD currencies.
- You are comfortable with the potential risks and rewards of holding and staking CRO, and you are interested in the broader Crypto.com ecosystem.
Bottom line
The Coinbase Card is ideal for users who prioritize simplicity, low fees, and the ability to spend both USD and crypto without additional charges. It is a great choice for those who want a straightforward debit card experience without the need for staking or tiered rewards. On the other hand, the Crypto.com Visa Card is best for users who are interested in earning significant cashback rewards and are willing to stake CRO to unlock higher tiers and benefits. It offers a more complex fee and reward structure, but with the potential for greater rewards if you are willing to engage with the platform’s staking requirements. For more detailed comparisons, visit our how we rate page.