Rain Card vs Coinbase Card
The short answer
Winner: Coinbase Card — 7.6/10 versus 7.5/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Rain Card
Email only
Coinbase Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
1%
4%
ATM fee
Free
1.5%
FX fee
Free
Free
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
Unlimited
Monthly limit
Unlimited
Unlimited
KYC
Email only
KYC
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
2.49%
ATM per transaction
Unlimited
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
1
14
Coins
ETH, USDC
BTC, ETH, USDC, USDT
Rain Card vs Coinbase Card FAQ
On our composite score Coinbase Card edges ahead (7.6/10 vs 7.5/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.