Coinbase Launches Credit Card with Up to 4% Bitcoin Rewards

Coinbase has unveiled the Coinbase One Card, a new credit card offering up to 4% back in Bitcoin on eligible purchases. Set to launch in later in 2025 and powered by American Express, this card marks a pivotal moment for everyday crypto adoption—integrating Bitcoin rewards directly into routine spending.

The move signals a growing effort to bring cryptocurrency into the mainstream financial experience, allowing users to earn digital assets passively, without buying or trading on exchanges.

Not Just Another Crypto Card

This isn’t Coinbase’s first foray into payments—their Visa debit card already allows users to spend crypto from their wallets. But the Coinbase One Credit Card is different:

• It’s a true credit card, offering a line of credit rather than pulling funds from crypto balances
• Up to 4% in Bitcoin rewards for eligible purchases
• No requirement to sell or spend crypto directly—ideal for tax efficiency
• American Express network ensures global merchant acceptance

This structure positions the card as a practical and appealing entry point for both crypto newcomers and experienced users.

A Bridge Between TradFi and DeFi

By offering Bitcoin rewards on everyday purchases, Coinbase is aligning itself with the broader mission of crypto integration into daily life:

The card potentially lowers the barrier to entry for people curious about crypto, letting users earn exposure to Bitcoin passively through spending behavior they already engage in.

What We Know So Far

While complete details on fees, eligibility, and reward tiers haven’t been released, the initial offering paints a clear picture:

• Bitcoin rewards offer upside during bull markets
• No staking or locked balances—unlike some existing crypto credit programs
• Potential tax advantages by earning vs. spending crypto
• A focus on accessibility—likely mirroring Coinbase’s user-friendly approach

However, users should remain aware that crypto rewards are volatile—their value can rise or fall depending on market conditions.

What It Means for Crypto Adoption

• Everyday exposure: Turning regular purchases into Bitcoin earnings
• Easier onboarding: New users can accumulate crypto without visiting an exchange
• Enhanced usability: Powered by American Express for seamless, global usage

As traditional finance and blockchain tech continue to converge, products like the Coinbase One Card may become key vehicles for mass adoption, making crypto part of daily financial behavior and not just speculation.