Updated September 29, 2026 · SumCue Editorial Team
Coinbase Card vs CoinJar
Coinbase Card
Higher score in this comparison
CoinJar
Where Coinbase Card and CoinJar differ
| Compare | Coinbase CardReviewVisitVisit | CoinJarReviewVisitVisit |
|---|---|---|
| Monthly fee | $0 | A$0 |
| Currency conversion fee | 0%Lower | 2.99% |
| Top-up fee | free for direct deposit | 0% (no pre-loading; card spends directly from CoinJar account balance) |
| Card network | Visa | Mastercard |
| Free ATM withdrawals | $0 | Not confirmed |
| Cashback rate | Not confirmed | 1% |
Same on both: Card type (Prepaid), Custody (Custodial).
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Key differences
- Coinbase Card scores higher overall: 9.0 vs 8.7.
- Founded is lower at Coinbase Card: 2012 vs 2013.
- Currency conversion fee is lower at Coinbase Card: 0% vs 2.99%.
- Support channels: only Coinbase Card offers Phone.
- Features: only Coinbase Card offers Virtual card.
Our verdict on each
Coinbase Card
Coinbase Card suits adults who already hold crypto on Coinbase and want a card that pays bitcoin back on everyday spend. It carries a monthly fee of $0 and an annual fee of $0, with cashback of 2% to 4% on purchases.
CoinJar
CoinJar suits people who want a crypto exchange and a prepaid spending card in one place, and the card itself costs nothing to hold at AUD 0. Spending abroad is the weak spot, because conversion runs at 2.99% against a site median of 1%.
Score breakdown
| Area | Coinbase Card | CoinJar |
|---|---|---|
| Cost | 9.4HigherMonthly fee of $0, annual fee of $0, currency conversion fee of 0% and cashback of 2% to 4%. | 8.8Card fees of AUD 0 and a currency conversion fee of 2.99% on spending, plus maker and taker fees of 0.1%. |
| Offer | 9.0Higher | 8.8 |
| Trust | 8.7Higher | 8.6 |
Positions in our rankings
| Ranking | Coinbase Card | CoinJar |
|---|---|---|
| Credit and debit cards | 33 of 1594 | 738 of 1594 |
| Prepaid cards | 4 of 208 | 5 of 208 |
| Crypto | 28 of 428 | 32 of 428 |
| Crypto exchanges | 27 of 330 | 30 of 330 |
| Crypto wallets | 20 of 249 | 24 of 249 |
Licences and countries
| Country | Coinbase Card | CoinJar |
|---|---|---|
| Ireland | IE_CBI PSD_EMI IE_CBI!C188493 | Central Bank of Ireland (CBI) MiCA CASP 98450066Q3A1G1A4T786 |
| Australia | Not confirmed | |
| Luxembourg | Commission de Surveillance du Secteur Financier (CSSF) MiCA CASP 984500F14CA4571AAC11 | Not confirmed |
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
What we checked
Coinbase Card
- coinbase.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
- help.coinbase.com: 1 fact, checked September 26, 2026
CoinJar
- coinjar.com: 6 facts, checked September 26, 2026
- support.coinjar.com: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Coinbase Card | CoinJar |
|---|---|---|
| Features | Crypto, Custodial, Virtual cardCovers more | Crypto, Custodial |
| Audience | Not confirmed | Business |
| Legal entity | Coinbase Luxembourg S.A. | CoinJar Europe Limited |
| Headquarters | Luxembourg | Ireland |
| Founded | 2012Lower | 2013 |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Credit cards
| Fact | Coinbase Card | CoinJar |
|---|---|---|
| Annual fee | $0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Pricing model | No annual fee | Not confirmed |
| Rewards rate | 2%, 2.5%, 3% or 4% bitcoin back tiered by assets on Coinbase; 5% back on Coinbase One Card Travel bookings; 2.5-4% tiers capped at a combined $10,000 eligible purchases per calendar month | Not confirmed |
| Perks | Zero trading fees on first $500/mo in trades (a spread applies), Boosted USDC rewards 4.00% APY on first $10K, then 3.60%, 5% more staking rewards on ETH, SOL and other eligible assets, $120 transaction credits on Base ($10/mo sponsored smart wallet gas), American Express retail protection, extended warranty and return protection, Trip cancellation/interruption, lost or damaged luggage and worldwide car rental loss & damage insurance, Roadside and emergency assistance, Eligibility check with no credit score impact, USDC security deposit option from $100 | Not confirmed |
| Cashback rate | 2% to 4% | Not confirmed |
| Card kind | Credit | Not confirmed |
| Regulators | Commission de Surveillance du Secteur Financier (CSSF) | Central Bank of Ireland, Financial Conduct Authority (UK), FinCEN (US), AUSTRAC, Central Bank of Ireland (CBI) |
Crypto exchanges
| Fact | Coinbase Card | CoinJar |
|---|---|---|
| Taker fee | Not confirmed | 0.1% |
| Coins listed | 405Higher | 45 |
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, Apple pay |
| Maker fee | Not confirmed | 0.1% |
| Proof of reserves | Not confirmed | Yes |
| Withdrawal fee | Not confirmed | Dynamic fee for crypto withdrawals to external addresses; no fee for AUD bank transfer or PayPal withdrawals |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Cex |
Crypto wallets
| Fact | Coinbase Card | CoinJar |
|---|---|---|
| Wallet type | Mobile | Mobile |
| Price | Not confirmed | €0 |
| Coins supported | 405Higher | 45 |
Where each stands against the rest
| Fact | Coinbase Card | CoinJar | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 2.99%highest quarter | 1% |
| Free ATM withdrawals | $0at the median | Not confirmed | $0 |
| Cashback rate | Not confirmed | 1%below the median | 2% |
Median across 336 listed providers.
Pros and cons
Coinbase Card
Pros
- No annual charge: the annual fee is $0 and the monthly fee is $0
- Cashback of 2% to 4% in bitcoin, tiered by assets held on Coinbase
- Currency conversion fee of 0% on card spend
Cons
- Balances are held in custody, since custody is custodial
- Free ATM withdrawals are $0
CoinJar
Pros
- Card fees of AUD 0 keep holding the card free, and the top-up fee is charged at nothing because there is no pre-loading, the card spends straight from the CoinJar account balance
- Crypto rewards pay 1% cashback on card spend
- Fiat money arrives by card, bank and sepa
Cons
- Conversion costs 2.99% on the card, above the site median of 1%
- Crypto moves to external addresses carry a dynamic fee, while AUD bank transfer and PayPal withdrawals cost nothing
- Support runs on email and help centre only
Who each suits
Coinbase Card
Who it suits
- Coinbase account holders who want to spend crypto without converting it first
- Shoppers who want cashback paid in bitcoin rather than points
- People planning travel who want purchase and trip cover on the card
Who should look elsewhere
- Anyone who needs a fee-free ATM allowance, since free withdrawals are $0
- Coinbase users who prefer to hold their own keys, as custody is custodial
- Skrill customers who face a €5 monthly charge instead of $0
CoinJar
Who it suits
- People already holding crypto who want a prepaid Mastercard for shop spending
- Business users, as CoinJar lists business as its audience
- Anyone who wants a custodial setup with proof of reserves
Who should look elsewhere
- Wise or bunq, if low conversion fees on everyday spending matter more than crypto rewards
- Self-custody users, because CoinJar holds coins for you under custodial
- Varo Believe Secured Credit Card, which is a credit card rather than a prepaid card
Current offers
Coinbase Card
Current offer
Bonus
Crypto rewards on every purchase with the Coinbase Card (rotating reward selection)
US Card users only, excluding Hawaii; reward rate is variable; reward offers expire and a new reward can be chosen monthly
Source, checked September 26, 2026
CoinJar
Current offer
Bonus
Free physical CoinJar Card: $0 card issuance (digital and physical)
Card issuance fee is $0 for digital and physical CoinJar Card; a 1% purchase fee applies and is returned as CoinJar Rewards points; card available in Australia only
Source, checked September 26, 2026
Country by country
| Country | Coinbase Card | CoinJar |
|---|---|---|
| Australia | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| United Kingdom | No | Yes |
| United States | No | Yes |
Questions about each
Coinbase Card
What does the Coinbase Card cost to hold?+
The monthly fee is $0 and the annual fee is $0, so the card carries no annual charge. Top-ups are free for direct deposit, which is worth checking against how often you move money onto the card. The card runs on the visa network.
How much cashback does the card pay?+
Cashback is 2% to 4% and the rewards type is cashback, paid in bitcoin. The rate is tiered by the assets held on Coinbase, so holding more raises the back you earn. Travel bookings carry a higher back than ordinary spend.
CoinJar
What does the CoinJar Card cost to hold?+
The monthly fee is AUD 0. There is no pre-loading, so the top-up fee is charged at nothing and the card spends directly from your CoinJar account balance. The card runs on the mastercard network, so it is prepaid rather than a credit card.
How much does it cost to convert currency on the card?+
Conversion costs 2.99%. That sits above the site median of 1%, and CoinJar ranks 218 of 258 brands on this measure. Readers who convert often should weigh that gap against the 1% cashback on card spend.