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Exploring the Coinbase One Card: A Detailed Look at the New Crypto Reward Program

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Coinbase One Card

Introduction: A New Era for Crypto Spending

In the ever-evolving world of cryptocurrency, Coinbase continues to innovate with products that bridge the gap between digital assets and everyday financial tools. The latest addition to its lineup, the Coinbase One Card, promises to revolutionize how users spend and earn crypto. Launched in partnership with American Express, this card is set to roll out this fall (2025) and offers up to 4% Bitcoin back on every purchase. Designed exclusively for Coinbase One subscribers in the U.S., this card combines the convenience of a credit card with the power of crypto rewards. Let’s dive into what makes the Coinbase One Card a game-changer, its features, eligibility, and whether it’s worth your attention.

What Is the Coinbase One Card?

The Coinbase One Card is a branded credit card, a first for Coinbase, marking a shift from its earlier Visa debit card offering launched in 2020. Powered by the American Express network, this card allows users to earn crypto rewards while enjoying the perks associated with Amex, such as unique experiences and additional protections. Unlike the debit card, which relied on converting crypto to fiat at the point of sale, the One Card integrates seamlessly with the Coinbase One subscription, enhancing its appeal for frequent crypto users.

The card’s standout feature is its reward structure: users can earn between 2% and 4% back in Bitcoin on every purchase, with the rate tied to the amount of assets held on Coinbase. This incentivizes holding and using the platform, aligning with Coinbase’s mission to make crypto a practical part of daily life. The card is slated for release this fall, with early access available to Coinbase One members who sign up for the waitlist.

Coinbase One: The Gateway to the Card

To access the Coinbase One Card, you need a Coinbase One subscription, a premium service launched in 2023 to offer enhanced trading and earning opportunities. Coinbase One has grown to nearly one million members, and with the card’s introduction, it’s expanding its value proposition. The subscription now includes a new Basic tier at $4.99/month or $49.99/year, making it more accessible. This tier includes:

  • Up to 4% Bitcoin back on purchases with the One Card (for annual Basic members).

  • Zero trading fees on up to $500 worth of trades monthly.

  • 4.5% APY on the first $10,000 of USDC.

  • Protection for up to $1,000 worth of crypto from unauthorized access.

Higher tiers, like the original $29.99/month plan, offer more benefits, such as higher trading limits and priority support. The card’s integration with these tiers means subscribers can maximize rewards based on their investment level, with the potential to earn more Bitcoin the more they hold on Coinbase.

Key Features and Benefits

The Coinbase One Card isn’t just about earning crypto—it’s a full-fledged financial tool with several appealing features:

  • Rewarding Every Purchase: Earn up to 4% Bitcoin back, with the rate scaling based on your Coinbase asset holdings. Everyone starts at 2%, but holding more assets boosts the reward.

  • American Express Perks: Access unique experiences, offers, and protections, such as travel benefits or purchase protection, enhancing the card’s utility beyond crypto.

  • Physical and Digital Options: Users can start with a virtual card upon approval and receive a stylish metal card engraved with a piece of Bitcoin’s genesis block story.

  • No Added Fees for Basic Annual Members: The card is included at no extra cost with the $49.99/year Basic plan, though other tiers may involve the standard subscription fee.

This combination of crypto rewards and Amex benefits positions the One Card as a hybrid product, appealing to both crypto enthusiasts and traditional card users.

Eligibility and How to Get It

The Coinbase One Card is exclusive to Coinbase One members in the U.S., excluding territories. Here’s how to get started:

  1. Subscribe to Coinbase One: Sign up for the Basic tier ($4.99/month or $49.99/year) or a higher plan. A 7-day free trial is available to test the waters.

  2. Join the Waitlist: Visit the Coinbase website to add your name for early access, as the card rolls out this fall.

  3. Verification: Ensure your Coinbase account is verified with a government-issued ID and linked payment method (ACH, debit card, or crypto).

Currently, the card is U.S.-only, but Coinbase’s history of expanding services (e.g., the debit card to 30+ countries) suggests potential future availability elsewhere.

Costs and Considerations

While the Basic annual plan ($49.99/year) includes the card without additional fees, other tiers carry their subscription costs ($29.99/month or more). There are no annual card fees, but users should note:

  • Crypto Conversion Fees: If using crypto directly (not applicable with the credit card model), conversion to fiat incurs a spread fee.

  • Amex Terms: Standard American Express fees (e.g., late payments) may apply, though details are pending full disclosure.

  • Reward Variability: Bitcoin back rates depend on asset holdings and may change, so users should monitor their accounts.

For frequent spenders, the 4% Bitcoin reward could offset the subscription cost, especially with rising crypto values. However, for casual users, the Basic tier’s lower trading limits might not justify the expense.

Pros and Cons

Pros

  • High Reward Potential: Up to 4% Bitcoin back is competitive, especially for holders of significant Coinbase assets.

  • Amex Integration: Adds value with travel and purchase protections.

  • Accessibility: The Basic tier lowers the entry barrier for new users.

  • Bitcoin Focus: Reinforces Coinbase’s commitment to Bitcoin, appealing to long-term HODLers.

Cons

  • U.S.-Only (For Now): Limits global access.

  • Subscription Cost: $49.99/year might deter casual users.

  • Dependency on Holdings: Rewards scale with asset size, which could disadvantage smaller investors.

  • Uncertain Timeline: Fall 2025 rollout means waiting, with potential delays.

Is It Worth It?

The Coinbase One Card shines for active Coinbase users who hold substantial assets and spend regularly. The 4% Bitcoin reward, paired with Amex perks, could make it a lucrative tool, especially if Bitcoin’s price continues to climb. For example, spending $1,000 monthly at 4% yields $40 in Bitcoin—potentially outpacing traditional cashback cards over time. However, if you’re new to crypto or rarely spend, the Basic tier’s $49.99/year might not add enough value compared to free alternatives like the original Coinbase Card.

The Bigger Picture: Crypto Adoption

The One Card reflects Coinbase’s push to mainstream crypto, building on its debit card’s success and aligning with pro-crypto policies expected under the current U.S. administration. By partnering with American Express, Coinbase taps into a trusted network, potentially attracting traditional finance users to crypto. This move also competes with offerings from Gemini and Venmo, though the 4% Bitcoin focus sets it apart.

How to Stay Updated

Keep an eye on www.coinbase.com for the latest on the One Card rollout. Follow Coinbase’s blog or social media for announcements, and join the waitlist to be among the first to use it. As details emerge, weigh the card’s benefits against your spending habits and crypto holdings.

Conclusion

The Coinbase One Card is an exciting step toward integrating cryptocurrency into everyday spending, offering up to 4% Bitcoin back and Amex perks for Coinbase One subscribers. While it’s U.S.-exclusive for now and tied to a subscription cost, its potential rewards make it worth considering for active crypto users. As the fall 2025 launch approaches, this card could redefine how we think about earning and spending digital assets. Whether you’re a Bitcoin believer or just curious, it’s a development to watch closely.

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