Fund Reserve, outperform your savings account.

* Credit rates are each provider's maximum published earn rate on eligible purchases; "up to" rates require the conditions noted. ** Debit rewards are shown as rates only and are not included in Total/yr.

1. Coinbase One Card: 4% requires $200,000 or more in Assets on Coinbase and applies to the first $10,000 in purchases per month (2% thereafter); customers with under $10,000 on Coinbase earn 2%. Requires a paid Coinbase One membership ($49.99/yr, deducted). Rewards paid in bitcoin. Total: 4% × $60,000 − $49.99.

2. Robinhood Gold Card: 3% on all purchases; requires an annual Robinhood Gold subscription ($50/yr, deducted) and a Robinhood brokerage account. 5% travel-portal rate not included. Total: 3% × $60,000 − $50.

3. Chase Freedom Unlimited: 1.5% on all purchases; 3% dining and drugstores and 5% Chase Travel not included; $0 annual fee. Total: 1.5% × $60,000.

4. American Express Blue Cash Preferred: 6% only at U.S. supermarkets (on up to $6,000/yr, then 1%) and select U.S. streaming; 3% transit and U.S. gas; 1% other. $95 annual fee after the first year (deducted). Total: 6% × $6,000 + 1% × $54,000 − $95.

5. Coinbase Card (Visa debit): Coinbase states the reward rate is variable and set in-app; 0.5% back (bitcoin, USDC, ether, or XLM) is the rate shown in the Coinbase app's Card rewards screen on September 25, 2026.

6. American Express Rewards Checking: 1 Membership Rewards point per $2 of eligible debit purchases, valued here at 1¢ per point; available to existing Amex customers only.

7. Card bonuses only. Yield paid on balances is excluded (Coinbase One 3.75% APY on USDC; Robinhood Gold 3.6% APY on cash; Amex Rewards Checking 1.00% APY).

Comparison disclosure

Timestamp and data recency

Competitor rates, fees, and program terms were reviewed on September 25, 2026 from each provider's public product and terms pages listed below. The most recent effective dates shown by the providers themselves were August 15, 2025 (Coinbase One Card Rewards Program Terms), September 17, 2026 (Robinhood Gold cash sweep rate), and September 24, 2026 (American Express Rewards Checking). The Coinbase Card debit rate was observed in the Coinbase app on September 25, 2026. Rates, fees, and program terms change frequently and may have changed since these dates. This comparison is reviewed quarterly and was last updated September 25, 2026.

Benchmark source and rate type

Reward rates shown are each provider's published headline earn rates on eligible card purchases, expressed as a percentage of net purchases. They are not annual percentage yields (APY) and are not interest on deposits. "Up to" rates are the maximum rate available under that provider's program and require conditions that many cardholders will not meet by default. Competitor rewards are paid in cash, points, or cryptocurrency according to each provider's terms; where rewards are paid in points, this comparison values them at 1 cent per point. Where rewards are paid in cryptocurrency, their U.S. dollar value fluctuates and may be worth more or less than the amount shown at the time of redemption. Competitor sources: Coinbase One Card Rewards Program Terms and product page and the Coinbase Card rewards help page; Robinhood Gold Card product page and Robinhood Gold support pages; Chase Freedom Unlimited product page; American Express Blue Cash Preferred and Rewards Checking product pages.

Comparison methodology and data limitations

Annual totals are estimates for a hypothetical customer who spends $60,000 per year on a credit card and who satisfies every condition required to earn each provider's maximum published rate. Totals are shown net of the membership or annual fees each program requires (Coinbase One $49.99 per year, Robinhood Gold $50 per year, American Express Blue Cash Preferred $95 per year after the first year; Chase Freedom Unlimited has no annual fee). Debit-card reward rates are shown for reference and are not included in annual totals. Actual rewards depend on your spending, merchant categories, account balances, subscription status, and each provider's caps and exclusions. In particular: the Coinbase One Card's 4% rate requires $200,000 or more in Assets on Coinbase (customers with under $10,000 earn 2%), applies to the first $10,000 in eligible purchases per calendar month (2% thereafter), and requires a paid Coinbase One membership; the Coinbase Card debit reward rate is variable and set by Coinbase, and the 0.5% shown is the rate displayed in the Coinbase app on September 25, 2026; the Robinhood Gold Card's 3% requires a paid Robinhood Gold subscription and a Robinhood brokerage account, and its 5% travel-portal rate is not reflected; Chase Freedom Unlimited earns 1.5% on all purchases, and its 3% dining and drugstore and 5% Chase Travel rates are not reflected; American Express Blue Cash Preferred earns 6% only at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and on select U.S. streaming subscriptions, 3% on transit and at U.S. gas stations, and 1% on other eligible purchases; the American Express debit figure reflects 1 Membership Rewards point per $2 of eligible debit purchases on an American Express Rewards Checking account, valued at 1 cent per point, and is available only to existing American Express customers. Competitor totals exclude welcome bonuses, category and travel-portal bonuses, promotional offers, and any interest or yield paid on cash, stablecoin, or savings balances (for example, Coinbase One's 3.75% APY on USDC, Robinhood Gold's 3.6% APY on cash, and American Express's 1.00% APY on Rewards Checking). This comparison does not include every card or account offered by each provider and excludes providers not shown. Cash-back, points, and cryptocurrency rewards are not directly comparable.

No guarantee and non-binding notice

This comparison is for informational purposes only and is not an offer, a guarantee of rewards, or a statement of the terms of any account. It does not constitute investment, tax, legal, or financial advice. Actual rewards under any program are governed solely by that provider's cardholder agreement and rewards program terms, which the provider may modify, suspend, or terminate at any time. Competitor names, logos, and product information are the property of their respective owners, are used for identification and comparison only, and do not imply sponsorship, affiliation, or endorsement. Competitor information is taken from publicly available sources that Fold does not control, has not been verified with those providers, and may be incomplete or out of date; readers should confirm current terms directly with each provider before making any decision.

Competitor rates as of September 25, 2026, from each provider's public terms, based on $60,000/yr of credit-card purchases at each program's maximum rate, net of required membership and annual fees. "Up to" rates require asset minimums, spend caps, category limits, and paid memberships not shown; totals exclude debit rewards, welcome bonuses, and interest on deposits. Estimates only; not a guarantee of rewards and not an endorsement by any provider. See full comparison disclosure.

Sources (all opened September 25, 2026)

Coinbase: coinbase.com/creditcard · coinbase.com/legal/creditcard/rewards · help.coinbase.com (Coinbase Card rewards) · coinbase.com/one · in-app Card rewards screen. Robinhood: robinhood.com/creditcard · robinhood.com support: Gold overview, cash program interest rate, round-up rewards. Chase: creditcards.chase.com (Freedom Unlimited). American Express: americanexpress.com (Blue Cash Preferred; Rewards Checking).