Pionex Card vs Coinbase One Card (AmEx)
Bottom line, net annual cost favours Pionex Card (€0), while Coinbase One Card (AmEx) comes to €50. On cashback Coinbase One Card (AmEx) wins (up to 4%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Coinbase One Card (AmEx) does better (0% vs 1%). In our editorial rating Coinbase One Card (AmEx) leads (4.7 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Pionex Card and Coinbase One Card (AmEx).
| Pionex Card | Coinbase One Card (AmEx) | |
|---|---|---|
| Tier | C | S |
| Rating | ★ 3.0 | ★ 4.7 |
| Estimated net annual cost | €0 | €50 |
| Network | Visa / Mastercard | American Express |
| Fund custody | Custodial (platform holds funds) | — |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | $3,000/day | Cash advance up to 10% of the credit line |
| ATM withdrawal | 2% | Free |
| FX markup | 1% | 0% |
| Cashback | 1% in USDT · Nessuno | 4% in BTC · Nessuno |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 3/10 |
| Supported countries | EEA, UK, APAC · 100+ countries | US · 1+ countries |
| Funding / solidity | Pionex è un exchange di criptovalute con sede a Singapore, fondato nel 2019 dal team dietro BitUniverse. È stato uno dei primi exchange con trading-bot integrati a ottenere la licenza MSB FinCEN negli USA (aprile 2020). L'emissione della Pionex Card è affidata a StraitsX. | Prodotto Coinbase (NASDAQ: COIN), lancio 2025-2026 |
| Regulator | FinCEN (USA) / StraitsX sotto MAS (Singapore) | SEC (public company); NYDFS; state regulators |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Card type | — | Revolving credit |
| APR | — | 19.49%–29.49% |
| On-chain settlement | — | No |
| Regions | EU/EEA, UK, APAC | US |
| Licences & safety | Pionex.US registrato come MSB presso FinCEN (USA) |
Frequently asked questions
Pionex Card vs Coinbase One Card (AmEx): which is better?
Bottom line, net annual cost favours Pionex Card (€0), while Coinbase One Card (AmEx) comes to €50. On cashback Coinbase One Card (AmEx) wins (up to 4%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Coinbase One Card (AmEx) does better (0% vs 1%). In our editorial rating Coinbase One Card (AmEx) leads (4.7 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Pionex Card and Coinbase One Card (AmEx).
Which is cheaper, Pionex Card or Coinbase One Card (AmEx)?
On the standard spending profile Pionex Card has the lowest net annual cost: €0 versus €50 for Coinbase One Card (AmEx).
Which offers more cashback, Pionex Card or Coinbase One Card (AmEx)?
Coinbase One Card (AmEx) has the highest cashback: up to 4%. Note the top rate often requires token staking and is subject to spending caps.
Is Pionex Card custodial or self-custody?
Pionex Card is custodial: funds are held by the platform, while Coinbase One Card (AmEx) is custodial.
Which is better for spending abroad?
For foreign-currency spending Coinbase One Card (AmEx) wins, with the lowest FX markup: 0%.