Coinbase Card vs Midnight Blue
Detailed comparison
| Coinbase Card | Criteria | Midnight Blue |
|---|---|---|
| 0 % | Base cashback | 0 % |
| 0 % | Premium cashback | 0 % |
| Free | Annual fees | Free |
| None | Staking required | None |
| 10 000 € | Daily limit | 5 000 € |
| Visa | Network | Visa |
| Available in Europe | ||
| Free ATM withdrawals |
Accepted cryptos7
Accepted cryptos8
Coinbase Card vs Midnight Blue: which crypto card should you choose?
Coinbase Card vs Crypto.com Midnight Blue: two free cards with no staking targeting beginner and intermediate crypto investors. The Coinbase Card offers up to 4% cashback in your choice of crypto (BTC, ETH, XLM…). The Midnight Blue offers a flat 1% in CRO. For maximum cashback, the Coinbase Card clearly dominates.
Cashback and rewards: advantage Coinbase Card or Midnight Blue?
Cashback is often the primary selection criterion for a crypto card. Both Coinbase Card and Midnight Blue offer variable reward levels depending on staked token amounts. As a general rule, the higher the staking, the better the cashback rate, sometimes up to 5% or more. It's worth calculating whether the extra return justifies locking up capital, taking into account the volatility of crypto assets.
Fees, staking requirements and conditions
Beyond cashback, annual fees and staking requirements play a decisive role in a card's real profitability. Coinbase Card and Midnight Blue differ on these points: one may be free under certain conditions, while the other requires a token commitment. ATM withdrawals, foreign-currency charges and any monthly commissions should also factor into your analysis.
Our verdict: Coinbase Card vs Midnight Blue
The Coinbase Card wins on cashback (up to 4% vs 1%), the diversity of reward cryptos, and Coinbase's reputation as a publicly listed exchange. The Midnight Blue remains a decent Crypto.com entry-level card but falls short compared to Coinbase for users not committed to the CRO ecosystem.
Frequently Asked Questions
Is the Coinbase Card available in Europe?
Yes, the Coinbase Card is available in many European countries including France, Germany and Spain. Check coinbase.com for availability.
Do you need to stake CRO for the Midnight Blue?
No. The Midnight Blue is Crypto.com's entry level, accessible without CRO staking. That is its main advantage over other tiers.
Can you choose BTC as cashback on the Coinbase Card?
Yes, the Coinbase Card lets you choose from several cryptocurrencies for cashback, including BTC and ETH, a major advantage over the Midnight Blue's fixed CRO cashback.
Check the full terms on the official website.
View offerHow to choose between two crypto cards?
Comparing two crypto cards is not just about looking at the cashback rate on the label. You need to factor in the staking amount required to unlock that rate, the annual fees that eat into net returns, the daily spending limits, and the geographic availability of the card. For instance, a card offering 5% cashback but requiring €10,000 in staking may be less attractive than a 2% card with no staking requirement, depending on your profile. Our comparison puts all these criteria side by side to help you make the best decision. You can also use our cashback simulator to calculate your estimated return based on your spending habits.
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