Yearly cost at three spending levels
| Monthly spend | Coinbase Card | Crypto.com Card |
|---|---|---|
| $500 | ≤ $0 Crypto rewards | ≤ -$24 Basic (Midnight) |
| $2,000 | ≤ $0 Crypto rewards | ≤ -$96 Basic (Midnight) |
| $5,000 | ≤ $0 Crypto rewards | ≤ -$240 Basic (Midnight) |
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 | Crypto.com Card Basic (Midnight) |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | Not disclosed | -$96 |
| ATM fees | $0 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | Not disclosed | $0 |
| Net per year | $0 | -$96 |
Fees
Coinbase Card charges 0% to convert or top up and Not disclosed on spending in a foreign currency. Crypto.com Card charges Not disclosed and 2%.
ATM withdrawals: Coinbase Card no card fee; Crypto.com Card 2% after €200 free a month.
A virtual card costs an undisclosed fee with Coinbase Card and nothing with Crypto.com Card. A physical card costs an undisclosed fee and €4.99. Neither card has an annual fee on its base tier.
Cashback and rewards
Coinbase Card cashback: Variable, not published. Crypto.com Card cashback: None.
Coinbase Card tiers: Crypto rewards: rate not published.
Crypto.com Card tiers: Basic (Midnight): 0%.
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.
Availability and KYC
Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
Coinbase Card needs full KYC and Crypto.com 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.
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
Coinbase Card does not list Apple Pay or Google Pay support, and Crypto.com Card works with Apple Pay and Google Pay. Crypto.com 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.
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
Full reports: Coinbase Card safety check and Crypto.com Card safety check.
About each card
Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
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.
Crypto.com Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
Read more: Coinbase Card fees and details · Crypto.com Card review