Coinbase One Card Explained: Up to 4% Bitcoin Back on Everything

Ben Shen, Head of Financial Services and Loyalty Products at Coinbase, explains how the Coinbase One Card gives holders up to 4% back in Bitcoin instantly on all purchases - no points systems, no blackout dates, no category restrictions.

Ben breaks down how the card fits into Coinbase's broader "everything exchange"vision: holding and earning on assets, borrowing against crypto, staking, lending USDC onchain, and now spending - all tied together through the Coinbase One membership starting at $50 per year. He also shares lessons from 8.5 years building Cash App, why finding one great hook matters more than launching many features, and where prediction markets and the blending of brokerage and financial services are headed.

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