# Coinbase One Card

> Earn up to 4% bitcoin back on every purchase.

Canonical page: https://cardstack.money/cards/coinbase-one-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Coinbase
- Network: Amex
- Annual fee: $0

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 4x | General |  |
| 1x | All other purchases | Base earn rate |

## Other benefits

- **Earn rule**: Up to 4% bitcoin back on every purchase. Actual rate is tiered (2%–4%) based on the value of crypto assets held on Coinbase: hold more, earn more. (Schema-limited: app cannot detect Coinbase asset holdings — modeled at the maximum 4% rate.)
- **Coinbase One Membership Required**: Card is exclusively available to Coinbase One members. Coinbase One membership is $49.99/year (separate from card; card has no annual fee).
- **Coinbase One Member Benefits (separate from card)**: $0 trading fees on first $500/month in trades (spread applies); 3.5% USDC rewards; 5% bonus on staking rewards (ETH, SOL, and other eligible assets); $120/year transaction credits ($10/month sponsored smart wallet gas) on Base.
- **Monthly Bitcoin Sweepstakes**: Up to $100,000 in Bitcoin per month; one entry per $100 spent on the card or traded on Coinbase, max 25 entries per drop. No purchase necessary; see official rules.
- **No foreign transaction fees**: On international purchases in foreign currency; see your Cardmember Agreement for exclusions and details.
- **Retail Protection**: Covers eligible items purchased entirely with your card if damaged or stolen within 90 days of purchase—up to $1,000 per loss and $50,000 per account per 12 months (actual item cost, exclusions apply).
- **Extended Warranty**: Adds up to 12 months to the original manufacturer warranty on eligible purchases made entirely with your card; max repair/replacement benefit is the lesser of amount charged or $10,000.
- **Return Protection**: If you try to return an eligible item within 90 days and the merchant won’t accept it per its policy, you may qualify for a refund—up to $300 per item and $1,000 per account per year (exclusions apply).
- **Amex Offers**: Add offers to your eligible card, then use that card on qualifying purchases to earn rewards; enrollment and merchant terms apply.*
- **Worldwide car rental loss & damage insurance**: Excess coverage when the full rental is charged to your card—reimbursement for covered damage/loss up to $50,000 per rental; file with primary insurance first.
- **Trip cancellation / trip interruption**: Reimburses non-refundable common-carrier fares when the full fare is charged to your card—up to $1,500 (terms apply).
- **Lost or damaged luggage insurance**: Excess coverage for checked/carry-on loss or damage on common carrier trips when the full fare is charged to your card—up to $1,000 per claim.
- **Roadside assistance**: 24/7 dispatch for towing, spare tire, fuel/fluid delivery, lockout, or jump start for eligible vehicles (≤2 tons, U.S. registered); a per-call fee is charged to your card.
- **Emergency assistance (Tier-1)**: 24/7 international hotline for medical/legal referrals and travel emergencies, plus pre-trip help with passports, visas, and advisories.


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