Coinbase One Cardvsether.fi Cash - Luxe Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric | C1Visa Coinbase One Card First Electronic Bank 6.7/10 Get card |  Third National Bank 7.7/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 6.7/10 | Best 7.7/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | Best 0% | 1% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Free | Free |
| ATM fee | 5% | Best 2% |
| Rewards | ||
| Max cashback | Best 2%–4% cashback | 3.5%–3% cashback |
| Payout token | BTC | ETHFI |
| Staking | Requires active Coinbase One membership (from $4.99/mo) | $10,000 liquid deposit |
| Perks | Apple & Google Pay · Up to 4% Bitcoin Back · Metal Card | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Countries | 1 (United States) | Best 25 (85+ countries (Global)) |
| Max daily spend | $15,000 | Best $25,000 |
| Monthly ATM limit | Best $3,000 | $750 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Base, Ethereum, Bitcoin | Ethereum, Arbitrum, Base |
| Top-up tokens | BTC, USDC, ETH | USDC, ETH, USDT |
| Issuer | First Electronic Bank | Third National Bank |
| Network | Visa | Visa |
The quick verdict
Coinbase One Card pays the highest headline cashback at 4%, but check the staking requirement: requires active coinbase one membership (from $4.99/mo).
Coinbase One Card is the cheaper travel card at 0% FX, while Coinbase One Card wins on annual cost at $0.
Both cards are available in 1 and 25 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- 2% to 4% back in Bitcoin on all spend
- True credit card with no pre-funding required
- 3% base cashback from Day 1 with no staking required on Core
- Borrow against yield-bearing restaked ETH/USDC vaults
Coinbase One Card vs ether.fi Cash - Luxe Card — FAQ
Which is better, Coinbase One Card or ether.fi Cash - Luxe Card?+
ether.fi Cash - Luxe Card has the higher editor score. Coinbase One Card pays 2%–4% cashback with 0% FX, while ether.fi Cash - Luxe Card pays 3.5%–3% cashback with 1% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Coinbase One Card or ether.fi Cash - Luxe Card?+
Coinbase One Card has a no annual fee annual fee, 0% top-up fee and 0% FX. ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Coinbase One Card and ether.fi Cash - Luxe Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.