Coinbase & Amex Drop a Game-Changer: Earn 4% Bitcoin Back on Every Swipe

Coinbase & Amex Drop a Game-Changer: Earn 4% Bitcoin Back on Every Swipe

Coinbase is shaking up the crypto credit card world with the launch of the Coinbase One Card, a brand-new Bitcoin rewards card in partnership with American Express. Slated for release in fall 2025, this card could be a game-changer for anyone who wants to earn crypto passively just by using a credit card.

Let’s break down how this exciting new offering works, what rewards you’ll earn, and how it stacks up against competitors like the Gemini Credit Card.

 What Is the Coinbase One Card

The Coinbase One Card is a Bitcoin rewards credit card built for U.S. consumers who are already using or planning to use Coinbase One, the company’s paid subscription program.

This card will run on the American Express network, be issued by First Electronic Bank, and is exclusive to Coinbase One subscribers.

• Launch Date: Fall 2025

• Sign-Up: Early waitlist available on

• Rewards: Earn 2% to 4% back in Bitcoin on all purchases

• Eligibility: Only for Coinbase One members living in the U.S. (excluding U.S. territories)

• Annual Fee: No separate card fee — access included with Coinbase One subscription

• Card Network: American Express

• Issuing Bank: First Electronic Bank

 How the Rewards Work

You can earn between 2% and 4% Bitcoin back on every purchase made with the Coinbase One Card. Your exact reward rate depends on how much crypto you hold with Coinbase.

 Tiers Explained

• 2% BTC Back – Base rate for eligible users

• 2.5% BTC Back – Higher tier, likely for moderate holders

• 3% BTC Back – Advanced users

• 4% BTC Back – Top tier, possibly for those with large holdings on Coinbase

(Exact holding thresholds haven’t been revealed yet.)

There’s no mention of any earning cap, which could give this card a big edge over competitors like the Gemini Credit Card.

 Benefits of the Coinbase One Card

 Coinbase One Benefits Included

With your subscription, you’ll also enjoy these perks:

• $0 trading fees on the first $500 in trades per month (spread applies)

• 4.5% APY on USDC (up to $10,000; 4.1% after that)

• 5% higher staking rewards on coins like ETH, SOL, etc.

• $120/year in transaction credits on Base (Coinbase’s Layer 2 solution)

 American Express Cardholder Perks

• No foreign transaction fees

• Car rental loss & damage coverage

• Emergency assistance

• Extended warranty and retail protection

• Trip cancellation/interruption coverage

• Roadside assistance

• Return & lost luggage protection

• Access to Amex Offers and Amex Experiences

Coinbase One Subscription Pricing

To access the Coinbase One Card, you must be subscribed to Coinbase One.

 Subscription Tiers

• Basic Plan: $29.99/month or $299.88/year

• Premium Plan: $299.99/month (unlimited simple trades)

• Upcoming Plan: A $49.99/year option is on the way — expected to make the card more accessible to casual users.

You can pay for the subscription using a bank account, debit card, PayPal, crypto, or your fiat wallet.

 Coinbase One Card vs. Gemini Credit Card

Here’s how the Coinbase One Card compares to one of the most popular crypto rewards cards — the Gemini Credit Card.

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