Is the Coinbase One Card subject to Chase 5/24?

No, the Coinbase One Card is issued by Coinbase (on the American Express network), not Chase. Therefore, it is not subject to Chase's 5/24 rule.

What credit score is needed for the Coinbase One Card?

While a specific credit score floor is not provided, American Express cards generally require applicants to have a good to excellent credit score, typically 670 or higher, for approval.

Can I get the Coinbase One Card bonus twice?

As of June 2026, the Coinbase One Card does not offer a sign-up bonus, so there is no bonus to earn twice. Its value comes from ongoing Bitcoin rewards.

What are the cashback rates for the Coinbase One Card?

The Coinbase One Card offers up to 4% back in Bitcoin on all purchases. The exact rate depends on your Coinbase asset holdings, ranging from 2% to 4%, with higher tiers capped at $10,000 in monthly spend for the elevated rate.

Is there an annual fee for the Coinbase One Card?

The Coinbase One Card itself has a $0 annual fee. However, it requires an active Coinbase One membership, which costs $49.99 per year.

What is the Coinbase One membership fee?

The Coinbase One membership fee is $49.99 per year. This membership is required to be eligible for the Coinbase One Card.

Does the Coinbase One Card have foreign transaction fees?

No, the Coinbase One Card does not charge foreign transaction fees, making it a suitable option for purchases made abroad.

Coinbase One Card: Maximize Bitcoin Rewards (June 2026)

The Coinbase One Card, as of June 2026, does not offer a traditional sign-up bonus. Instead, it provides ongoing Bitcoin rewards of up to 4% on all purchases, contingent on an active Coinbase One membership ($49.99/year) and your Coinbase asset holdings. Its value is primarily for those deeply invested in the Coinbase ecosystem, making it worth considering if you already meet the membership and asset requirements for higher reward tiers. Eligibility requires an active Coinbase One membership, and while no specific credit score is stated, a good credit history is generally expected for American Express cards.

Current Welcome Bonus & Value

As of June 2026, the Coinbase One Card does not feature a traditional welcome bonus. Its primary value comes from its ongoing rewards structure, offering up to 4% back on all purchases, paid as Bitcoin (BTC).

The cashback rate is tiered based on your Coinbase assets held:

2% back: For those with less than $10,000 in Coinbase assets.
2.5% back: For those with $10,000 to $49,999.99 in Coinbase assets.
3.0% back: For those with $50,000 to $199,999.99 in Coinbase assets.
4.0% back: For those with $200,000 or more in Coinbase assets.

For tiers 2-4, the higher reward rate applies only to the first $10,000 in purchases each calendar month. Any spend beyond that threshold earns 2% back.

Minimum Spend to Earn It

Since there is no welcome bonus, there is no minimum spend requirement to earn one. To maximize your ongoing Bitcoin rewards, you'll need to maintain specific asset levels within your Coinbase account and be aware of the monthly spend cap for higher reward tiers.

Who's Eligible

To be eligible for the Coinbase One Card, you must have an active Coinbase One membership, which costs $49.99 per year. While a specific credit score floor isn't provided, applicants generally need good to excellent credit for American Express cards. There are no stated Chase 5/24 or once-per-lifetime rules for this card.

Is It Worth It?

Pros:

No Annual Fee: The card itself has a $0 annual fee.
High Bitcoin Rewards: Offers up to 4% back in Bitcoin on all purchases, which can be very attractive for crypto enthusiasts.
Foreign Transaction Fee: No foreign transaction fees, making it suitable for international use.

Cons:

Coinbase One Membership Required: You must pay the $49.99/year Coinbase One membership fee to be eligible for the card.
Tiered Rewards: The highest reward rates are reserved for those with substantial assets held on Coinbase.
Monthly Cap on Higher Tiers: The higher reward rates (2.5%, 3.0%, 4.0%) only apply to the first $10,000 in purchases each calendar month, after which the rate drops to 2%.
No Sign-up Bonus: Lacks an initial bonus, which is a common draw for many credit cards.

Overall, the Coinbase One Card is most valuable for individuals who already have a significant amount of assets on Coinbase and are active Coinbase One members, or those who plan to be. For others, the membership fee and tiered rewards might make it less appealing compared to other crypto-back or traditional cashback cards.

How to Apply

To apply for the Coinbase One Card, you typically need to:

Ensure you have an active Coinbase One membership.
Log in to your Coinbase account.
Navigate to the card application section, usually found within your account dashboard or a dedicated card page.
Complete the application form, providing personal and financial details as requested.
Submit your application for review.

Alternatives

Currently, the Coinbase One Card is the primary offering from Coinbase for earning Bitcoin rewards on everyday spending. While there are other crypto-back cards on the market, this card is uniquely tied to the Coinbase One membership and asset tiers, making it a distinct option for dedicated Coinbase users seeking to earn Bitcoin directly through their Coinbase account.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Coinbase One Card — a welcome bonus