Cardless

Coinbase One Card

A $50-a-year crypto card from Cardless.

Cash back only

Annual fee

$50/yr

Welcome bonus

None

Min spend

N/A

Recommended credit

Good (670+)

Network

Amex

Foreign transaction fee

None

Apply on Cardless site 5.0/10Our rating · review ›

Rates, fees, and full terms are set by Cardless and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →

Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $50 annual fee.

Earning rates

Up to 4% back in Bitcoin on every purchase, tiered by the total assets you hold on Coinbase: 2% base, 2.5% at $10,000, 3% at $50,000, and 4% at $200,000

The boosted tiers apply to the first $10,000 in purchases each month, then 2%

Rewards are paid in Bitcoin, so their dollar value moves with the price of Bitcoin

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.