Xplace Card vs Coinbase Card: 2026 Comparison
Comparing Xplace Card and Coinbase Card on fees, cashback, custody, and where each card is available.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.
The short version:
Xplace rates 4.6/5, ahead of Coinbase at 4.3/5. The gap is 0.3 of a point: a few line items in the formula, not a different class of card. What moves the score for Xplace: self-custody, up to 2% cashback.
Xplace:
Coinbase:
Side by side
| Feature | Xplace Card 4.6 out of 5, Sweepbase rating Get card Xplace Card | Coinbase Card 4.3 out of 5, Sweepbase rating Get card Coinbase Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soon | Virtual + Physical |
| Network | Visa Credit | Visa Debit |
| Custody | Strength: Self-custody | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr | Strength: Free |
| FX fee | 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr) | No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals…The fine print
|
| Rewards | ||
| Cashback | Strength: Up to 2% (Tiers) | Strength: Variable (US only) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes in the US (Apple Pay; Google Pay); not available in the UK or EEA |
| Bank account in your name | No | Strength: SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN |
| Daily spend limit | Based on collateral and tier | US: $2,500 per 24 hours, signature and PIN combined, with a $25,000 maximum card balance…The fine print
|
| ATM withdrawal limit | Not available (no cash advances or ATM withdrawals) | US: no more than $1,000 per 24 hours and at most six withdrawals a day (Pathward Cardholder Agreement, 14 Oct 2024)The fine print
|
| Top-up methods | BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing) | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) |
| Regions | No published availability list - x.place documents geography only by exclusionThe fine print
| US plus the United Kingdom and 30 EEA countries. The separate Coinbase One Card, an Amex credit card, is US-only |
| Behind the card | ||
| Card issuer | Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card terms | Pathward, N.A., USA (ex-MetaBank); Paysafe Financial Services Limited, UK (FCA FRN 900015)Named in the card terms |
| Our read | ||
| Strengths |
|
|
| Trade-offs | Nothing flagged by these checks |
|
Which scores higher
Xplace leads on the formula, but the score is a sum, and Coinbase wins some of its terms: the balance Coinbase spends from earns yield, and the one Xplace spends from does not; Coinbase charges nothing to issue or hold the card, and Xplace does. If one of those is the thing you care about, read that row above before the score.
Xplace vs Coinbase: FAQ
Xplace Card scores higher on the Sweepbase formula, at 4.6/5. What moves the score: self-custody, up to 2% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.
Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… Coinbase Card: issuance Free, annual Free, FX No transaction fees: $0 for card transactions, crypto… You can compare total annual cost using our fee calculator.
Xplace Card: Up to 2% cashback. Coinbase Card: Variable cashback (US only). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Xplace Card: Self-custody. Coinbase Card: Custodial. Xplace Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.
Xplace Card supports Apple Pay and Google Pay. Coinbase Card supports Apple Pay and Google Pay.
Xplace Card: no published availability list. Coinbase Card: Europe + USA. Check each card's detail page for the full country list.