United States only (certain jurisdictions such as Hawaii may be restricted under local compliance requirements)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 annual fee and 0 monthly fee (requires maintaining an active Coinbase One subscription); 0% foreign transaction fees on non-USD international purchases (No FTF); APR on revolving balances 19.99%–29.99%. ATM cash advances charged per Amex network rules.
- Debit / Deduction Model
- An American Express Credit Card: independent revolving credit line, monthly statement billing, automatically rewarding Bitcoin on spending
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Restricted to lawful US residents only (SSN, lawful US residential address, and credit check required), with an active paid Coinbase One subscription required.
- Officially supported countries and regions
- United States only (certain jurisdictions such as Hawaii may be restricted under local compliance requirements)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- American Express (physical and virtual cards; supports Apple Pay)
- Issuer Arrangement / Payment Rails
- Issued jointly by First Electronic Bank / Cardless / Coinbase. The card BIN is not published, and this page does not speculate on it.
- Apple Pay / Google Pay
- Official support for Apple Pay, enabling addition to Apple Wallet for contactless tap-to-pay.
- Overseas AI Subscriptions
- Authentic US American Express credit card, offering exceptionally high payment compatibility across OpenAI, Claude, Midjourney, AWS, and other merchants.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Spending earns tiered rewards of up to 4% back in Bitcoin (Bitcoin Rewards), automatically swept to the Coinbase account.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- American Express
- Issuer arrangement / BIN
- Issued jointly by First Electronic Bank / Cardless / Coinbase. The card BIN is not published, and this page does not speculate on it.
- Apple Pay
- ✅ Explicitly stated in official materials: official support for Apple Pay, enabling addition to Apple Wallet for contactless tap-to-pay.
- Google Pay
- ✅ Explicitly stated in official materials: supports Google Wallet tap-to-pay.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: authentic US American Express credit card, offering exceptionally high payment compatibility across OpenAI, Claude, Midjourney, AWS, and other merchants.
Compatibility information for this card was verified on 2026-10-14 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 153 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Coinbase: Buy Crypto & Stocks (Coinbase, Inc.; card powered by Cardless, Inc.)
- Web Portal Support
- Web Account Available; Card Primarily via App — coinbase.com web portal manages accounts and Coinbase One subscriptions; credit card is managed under the 'Credit card' tab in the Coinbase app.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: Indonesia, Japan
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Coinbase Global Privacy Policy (updated 2026-05-27): EEA, Swiss, and UK users processed under GDPR (detailing lawful bases and international transfer mechanisms); access, portability, rectification, erasure, objection, restriction, and consent withdrawal exercised via Privacy Rights Dashboard or support; complaints to national DPAs; card powered by Cardless, Inc. and issued by First Electronic Bank, with Cardless Privacy Policy (updated 2025-06-19) containing GDPR terms, US GLBA notice, and California Financial Information Privacy Act disclosures
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained under internal policies and financial regulatory obligations like AML/KYC; data no longer needed is deleted after account closure or erasure request (no specific years stated); Cardless marks accounts as 'Closed' upon termination but retains data per legal obligations
- App Store Privacy Label
- Used to track: Identifiers; Linked to you: 8 categories; Not linked to you: 0 categories
- Google Play Data Safety
- No third-party data sharing; Collects 8 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Coinbase account can be closed via the web 'Close account' page (requires zero balance, cancelling Coinbase One, and 2FA verification), which is permanent; credit card can be closed inside Coinbase App via 'Credit card → Manage → Close Coinbase One Card'; Cardless account can also be closed by calling 1-888-227-3537; card account may close if membership lapses
Verified on 2026-10-14. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
The strategic leap from Visa debit to Amex credit
Coinbase previously focused on its Visa debit card, whereas the Coinbase One Card's deep collaboration with Amex directly targets high-value subscription users and affluent crypto investors. [1]
Frequently asked questions
Can I apply without a US SSN?
No, this card is issued by First Electronic Bank in the US and strictly requires a valid SSN and established US credit history.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Coinbase One Card on X; search results may change over time.
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