It's an interesting idea, but a little too simplistic. You can get to 13 almost effortlessly, and getting a coin high score is extremely reliant on RNG from dice rolls and card layouts.
A concept like this would benefit from playing up the risk and reward/investment aspect a little more. For example, having face down cards that double the effect, having certain cards paired with worse dice luck, only being able to move forward or diagonally on the line, etc.
In any case, this makes for a cool concept, I'd be interested in seeing this one develop if you plan to continue it.