Yearly cost at three spending levels
| Monthly spend | RedotPay | Coinbase Card |
|---|---|---|
| $500 | -$146.40 Standard | ≤ $0 Crypto rewards |
| $2,000 | -$369.60 Standard | ≤ $0 Crypto rewards |
| $5,000 | -$816 Standard | ≤ $0 Crypto rewards |
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 | RedotPay Standard | Coinbase Card Crypto rewards |
|---|---|---|
| Top-up and conversion fees | -$264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | Not disclosed |
| ATM fees | -$48 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | Not disclosed |
| Net per year | -$369.60 | $0 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Coinbase Card charges 0% and Not disclosed.
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 $10.
ATM withdrawals: RedotPay 2%; Coinbase Card no card fee.
A virtual card costs $10 with RedotPay and an undisclosed fee with Coinbase Card. A physical card costs $100 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. Coinbase Card cashback: Variable, not published.
RedotPay tiers: Standard: 0%.
Coinbase Card tiers: Crypto rewards: rate not published.
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
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.
RedotPay needs full KYC and Coinbase Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
Coinbase Card does not publish fixed spending or ATM limits.
RedotPay works with Apple Pay and Google Pay, and Coinbase Card does not list either. RedotPay issues a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB). No incidents or enforcement actions found in the last 36 months. Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.
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.
Full reports: RedotPay safety check and Coinbase Card safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC and ETH.
Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.
Which card fits you
RedotPay fits if Recommended
- You spend in foreign currencies often, since its FX markup is lower.
- You live outside the US and the handful of countries it excludes.
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.
Read more: RedotPay review · Coinbase Card fees and details