| Effective rewards |
1-4% (rotating; 4% on select tokens, 1% on BTC/ETH/DAI)
|
0% cashback (pure spending/off-ramp product)
|
| Reward asset |
Rotating (e.g. XLM, GRT, AMP, RLY at 4%; BTC/ETH/DOGE/DAI at 1%)
|
-
|
| Custody |
Custodial
|
Custodial
|
| Annual fee |
No annual fee
|
Virtual $10 / Solana Edition $10 / Physical $100 issuance
|
| FX fee |
No foreign transaction fee
|
~1.2% FX markup
|
| ATM fee |
No Coinbase ATM fee (operator fees may apply)
|
Verify
|
| Conversion spread |
Spread on crypto sold to fund purchase (Coinbase spread)
|
1% crypto conversion fee
|
| Network |
Visa
|
Visa
|
| Apple / Google Pay |
Yes
|
Yes
|
| Region availability |
United States only
|
50-100+ countries; no-KYC virtual tier; high daily limits
|