Which is cheaper, Coinbase Card or Binance Card?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Binance Card leaves $386.40 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use Coinbase Card and Binance Card in the same country?

Not in any of the 25 countries we track.

Is Coinbase Card or Binance Card safer?

Coinbase Card scores higher on our safety check (75/100 against 61/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Coinbase Card or Binance Card?

Coinbase Card pays variable, not published and Binance Card pays 1.5% to 3%. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

Coinbase Card vs Binance Card: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	Coinbase Card	Binance Card
Countries offered	United States only	Brazil only
Card network	Visa	Mastercard
Custody	Custodial	Custodial
KYC	Full	Full
Top-up assets	USDC	USDT, USDC, BTC, ETH
Top-up or conversion fee	0% (better)	0.9%
FX markup	Not disclosed	2%
ATM fee	No card fee	$1.50 after 2 free a month
Annual fee (base tier)	Free	Free
Card issuance	Virtual Not disclosed · Physical Not disclosed	Virtual Free · Physical Free
Cashback	Variable, not published	1.5% to 3%
Apple Pay / Google Pay	Not listed	Apple Pay
Safety score	75/100 (better)	61/100
Overall rating	43/100	48/100 (better)
Get the card	Get Coinbase Card	Get Binance Card

Yearly cost at three spending levels

Monthly spend	Coinbase Card	Binance Card
$500	≤ $0 Crypto rewards	+$20.40 Tier 2
$2,000	≤ $0 Crypto rewards	+$386.40 Tier 3
$5,000	≤ $0 Crypto rewards	+$370.98 Tier 3

Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.

Where the money goes at $2,000 a month

Line	Coinbase Card Crypto rewards	Binance Card Tier 3
Top-up and conversion fees	$0	-$237.60
Spending fees	$0	$0
Foreign exchange markup	Not disclosed	-$96
ATM fees	$0	$0
Annual, monthly and subscription fees	$0	$0
Cashback	Not disclosed	+$720
Net per year	$0	+$386.40

Fees

Coinbase Card charges 0% to convert or top up and Not disclosed on spending in a foreign currency. Binance Card charges 0.9% and 2%.

The conversion fee applies to every dollar you load, so Coinbase Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.

ATM withdrawals: Coinbase Card no card fee; Binance Card $1.50 after 2 free a month.

A virtual card costs an undisclosed fee with Coinbase Card and nothing with Binance Card. A physical card costs an undisclosed fee and nothing. Neither card has an annual fee on its base tier.

Cashback and rewards

Coinbase Card cashback: Variable, not published. Binance Card cashback: 1.5% to 3%.

Coinbase Card tiers: Crypto rewards: rate not published.

Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from R$500 of monthly spend; Tier 3: 3%, capped at R$500 a month from R$5,000 of monthly spend.

Coinbase Card: Rewards are paid in a crypto you choose from a rotating list. Coinbase describes the rate as variable and shows it only in the app.

Binance Card: Only USDT spending counts toward cashback. The tier reached in a month applies to all of that month's eligible spending. Cashback is credited in BRL.

Availability and KYC

Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.

Binance Card is offered in one country, including Brazil. Binance lists Brazil as the only country where the card is currently offered.

Coinbase Card needs full KYC and Binance Card needs full KYC.

The card finder checks both cards against your country, KYC level and must-have features.

Limits, wallets and card types

Coinbase Card does not publish fixed spending or ATM limits.

Binance Card publishes a daily spending limit of R$25,000, a monthly limit of R$50,000 and ATM withdrawals of up to $3,000 a day.

Coinbase Card does not list Apple Pay or Google Pay support, and Binance Card works with Apple Pay. Binance Card issues a virtual card you can use straight away.

Custody and safety

Coinbase Card scores 75/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Pathward, N.A.. 2025-05-15: Overseas support staff bribed by criminals copied customer data for under 1% of monthly transacting users. Coinbase said no passwords, private keys or funds were exposed. The user agreement says customer digital assets are held for customers, are not property of Coinbase and are not subject to claims of Coinbase's creditors.

Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Dock. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion.

Full reports: Coinbase Card safety check and Binance Card safety check.

About each card

Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.

Binance Card (Brazil) is a custodial Mastercard from Binance. It tops up with USDT, USDC, BTC and ETH and its balance is held in BRL.

Which card fits you

Coinbase Card fits if

Most of your spending is in your home currency, where its lower conversion fee counts most.
You live in United States, the only market it serves.
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Binance Card fits if

You spend in foreign currencies often, since its FX markup is lower.
You live in Brazil, the only market it serves.
You want a higher cashback ceiling (up to 3%).

Coinbase Card vs Binance Card