Coinbase Card
VisacustodialKYC: required
3.5 / 5
Net Reward5.0
Availability1.0
Custody & Risk2.0
Features4.5
UX4.6
The Coinbase Card is a Visa debit card that allows users to spend cryptocurrency from their Coinbase account for everyday purchases. The card automatically converts selected cryptocurrency to fiat currency at the point of sale, eliminating the need for manual conversion. It integrates directly with the Coinbase platform, making crypto assets immediately spendable at any merchant accepting Visa.
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Slug: coinbase-card
Our Verdict
Existing Coinbase users who want to spend their crypto holdings directly without transferring to a bank first, international travelers who benefit from zero foreign transaction fees, and cryptocurrency enthusiasts who prefer earning crypto rewards rather than traditional credit card points.
Pros and cons
Pros
- No issuance fees, annual fees, or Coinbase foreign transaction fees
- Automatic conversion of crypto to fiat at point of sale
- Wide cryptocurrency support (any supported crypto on Coinbase)
- No staking requirements to access the card or rewards
- Mobile wallet integration with Apple Pay and Google Pay (U.S. only)
- No Coinbase ATM withdrawal fees (ATM operator fees may apply)
- Premium metal card design with Bitcoin Genesis Block etching (credit card)
- Higher Bitcoin rewards (2-4%) compared to debit card (credit card)
- American Express network benefits and protections (credit card)
- Can pay statement with cryptocurrency (credit card)
Cons
- Hidden costs through conversion spread (percentage not disclosed)
- Crypto rewards program only available to U.S. cardholders
- Each transaction creates a taxable event in most jurisdictions
- Lower reward rates compared to initial launch offerings
- Less robust purchase protections than credit cards
- Mobile wallet support limited to U.S. only
- Requires active Coinbase One membership ($49.99/year minimum) for credit card
- Credit card only available in the U.S.
- Credit card limited to American Express merchant network
- Rewards tied to assets held on Coinbase platform (credit card)
- Rewards capped at $10,000 in eligible purchases per month at higher tiers (credit card)
- Potential tax implications when paying statement with crypto (credit card)
Supported chains
BaseBitcoinEthereum
Supported cryptos
BTCDAIDOGEETHLTCUNIUSDC
Fees
Annual: $0
Monthly: $0
Issuance: $0 (U.S.), £0/€0 (UK/Europe)
Purchase Transaction: $0 Coinbase fee (conversion spread applies)
Key Features
- Automatic conversion of cryptocurrency to fiat at point of sale
- No issuance fees, annual fees, or foreign transaction fees
- Compatible with any supported cryptocurrencies from Coinbase account
- Crypto rewards program for U.S. cardholders (0.5-1% for debit, 2-4% for credit)
- Apple Pay and Google Pay integration (U.S. only for debit)
- Direct deposit capability
- Instant notifications for all transactions
- Ability to select which cryptocurrency to spend before each purchase
- Zero staking requirements to access debit card or rewards
Limitations
- Hidden costs via conversion spread (percentage not disclosed)
- Coinbase One membership required for credit card ($49.99/year minimum)
- Each transaction creates taxable events in most jurisdictions
- ATM withdrawals subject to ATM operator fees
- Credit card rewards capped at $10,000 in eligible purchases per month at higher tiers
- Mobile wallet support limited to U.S. for debit card
- Crypto rewards program only available to U.S. cardholders for debit card
- Lower reward rates compared to initial launch offerings
- Less robust purchase protections than credit cards (for debit card)
- Credit card only available in the U.S.
- Credit card limited to American Express merchant network
Risks
- CounterpartyCustodial model - if Coinbase ceases operations, users lose access to funds held on the platformStated in Self-Custody section
- MarketConversion spread applies to all crypto transactions with undisclosed percentage that varies by market conditionsSpread applies (percentage not disclosed; varies by market conditions)
- RegulatoryCard usage prohibited in numerous restricted countries and for certain merchant categoriesProhibited in Afghanistan, Albania, Belarus, Central African Republic, China, Cuba, Democratic Republic of the Congo, Ethiopia, Hong Kong, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, Venezuela, Yemen, or Zimbabwe
Rewards & Cashback
Notes: Historical rates were higher at launch, offering up to 4% back in Stellar Lumens (XLM) or 1% in Bitcoin. Occasional promotional periods with higher reward rates on certain assets. No staking requirements to access rewards.
Reward Token: BTC, ETH, or other supported cryptocurrencies
Cashback Rate: 0.5-1% in major cryptocurrencies like Bitcoin (BTC) or Ethereum (ETH) for U.S. cardholders
Eligibility Requirements: U.S. cardholders only; UK/EU cardholders currently do not have access to the crypto rewards program
Spending Limits
Notes: Maximum card balance: $25,000; Daily reload limit: $5,000 per 24 hours; Up to 10 PIN transactions and 20 signature transactions per day. EU/UK limits are customer-variable and viewable in the Coinbase app.
Atm Daily: $1,000 per 24 hours
Daily Spending: $2,500 per 24 hours maximum (combined PIN and signature)
Top-Up Methods
Cryptocurrency from Coinbase accountStablecoins from Coinbase accountFiat currency from Coinbase account
Max Amount: $5,000 per 24 hours (daily reload limit)
Banking & Financial Services
✓
Direct Deposit
Direct deposit capability allows having paycheck deposited directly to Coinbase
Credit & Loan Products
Interest Rates
Variable based on creditworthiness (for Coinbase One Credit Card)
Credit card requires credit approval through First Electronic Bank. Standard credit card late fees apply. Can pay statement balance with cryptocurrency from Coinbase account.
Security Features
Features: Two-factor authentication (2FA),Instant notifications for every card transaction,Ability to lock/freeze card instantly via app,PIN change through app,Visa Zero Liability protection (debit),American Express fraud protection (credit)
Insurance: Crime insurance policy covering a portion of digital assets against theft or cybersecurity breaches; USD held with Coinbase has FDIC pass-through insurance up to $250,000 per user
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Existing Coinbase users who want to spend their crypto holdings directly without transferring to a bank first, international travelers who benefit from zero foreign transaction fees, and cryptocurrency enthusiasts who prefer earning crypto rewards rather than traditional credit card points.
Custody Model
custodialPlatform (Coinbase) controls all private keys for user crypto. Crypto is held in Coinbase account; conversion to fiat occurs at purchase or when paying credit statement.
Risk: If Coinbase ceases operations, users lose access to funds held on the platform.
Card Issuer & Compliance
Issuer Name: U.S.: Pathward, N.A. (formerly MetaBank); EU/UK: Pathward, N.A. (powered by Marqeta); Credit Card: First Electronic Bank
Kyc Required: true
Issuer License: Coinbase operates as a licensed Money Services Business (MSB) in the U.S. with money transmitter licenses in various states; MiCA license from Luxembourg's CSSF as of June 20, 2025
Platform Licenses: Money Services Business (MSB),State money transmitter licenses,Visa Principal Member (since February 2020),MiCA license from Luxembourg CSSF
Availability
Available in the United States (except Hawaii), United Kingdom, and EEA/EEA-adjacent countries under MiCA authorization as of June 20, 2025. Credit card only available in U.S.
Card Tiers
Coinbase Visa Debit Card
PhysicalPlastic
Coinbase account with KYC verification
Fees
Issuance: $0 (U.S.), £0/€0 (UK/Europe)
Monthly: $0
VisaApple PayGoogle Pay
Cashback: 0.5-1% in BTC/ETH (U.S. only)
No annual feesNo foreign transaction feesInstant notificationsDirect deposit capabilityMobile wallet support (U.S. only)
Coinbase One Credit Card - 2% Tier
PhysicalStainless steel (17g)
Coinbase One subscription ($49.99/year minimum), credit approval through First Electronic Bank
Fees
Issuance: $0
Monthly: $0 with active Coinbase One membership
American ExpressApple PayGoogle Pay
Cashback: 2% Bitcoin back on all purchases
APR: Variable based on creditworthiness
Bitcoin Genesis Block etchingAmerican Express network benefitsRetail ProtectionExtended WarrantyTrip Cancellation InsuranceCan pay statement with crypto
Coinbase One Credit Card - 2.5% Tier
PhysicalStainless steel (17g)
$1,000+ in Assets on Coinbase, Coinbase One subscription, credit approval
Fees
Issuance: $0
Monthly: $0 with active Coinbase One membership
Monthly Limit: $10,000 cap at this tier (2% thereafter)
American ExpressApple PayGoogle Pay
Cashback: 2.5% Bitcoin back on purchases
APR: Variable based on creditworthiness
Bitcoin Genesis Block etchingAmerican Express network benefits
Coinbase One Credit Card - 3% Tier
PhysicalStainless steel (17g)
$10,000+ in Assets on Coinbase, Coinbase One subscription, credit approval
Fees
Issuance: $0
Monthly: $0 with active Coinbase One membership
Monthly Limit: $10,000 cap at this tier (2% thereafter)
American ExpressApple PayGoogle Pay
Cashback: 3% Bitcoin back on purchases
APR: Variable based on creditworthiness
Bitcoin Genesis Block etchingAmerican Express network benefits
Coinbase One Credit Card - 4% Tier
PhysicalStainless steel (17g)
$100,000+ in Assets on Coinbase, Coinbase One subscription, credit approval
Fees
Issuance: $0
Monthly: $0 with active Coinbase One membership
Monthly Limit: $10,000 cap at this tier (2% thereafter)
American ExpressApple PayGoogle Pay
Cashback: 4% Bitcoin back on purchases
APR: Variable based on creditworthiness
Bitcoin Genesis Block etchingAmerican Express network benefits
Merchant Restrictions
Gambling- Prohibited merchant category
Illicit products/services- Prohibited merchant category
Money orders- Prohibited merchant category
Cryptocurrency services- Prohibited merchant category
User Ratings
3.9/5.0 (18,869 ratings)
Trustpilot
4.4/5.0 (906,169 ratings)
Google Play
4.7/5.0 (1,768,488 ratings)
App Store
Mixed - positives include convenience of spending crypto, ease of use, absence of foreign transaction fees, and crypto rewards; negatives include hidden costs via conversion spread, difficulty resolving fraudulent transactions, occasional unexplained transaction declines, and disappointment with reduced reward rates over time
Roadmap & Updates
Recent Updates:
- MiCA authorization as of June 20, 2025
- Luxembourg established as European hub
- Coinbase One Credit Card now available to U.S. subscribers
Conclusion
The Coinbase Card now offers two distinct products that cater to different user needs and preferences. The Coinbase Visa Debit Card represents a significant advancement in making cryptocurrency practical for everyday use, bridging the gap between digital assets and traditional payment systems. Its primary strength lies in allowing users to seamlessly spend their crypto holdings without manual conversion steps, effectively functioning as a debit card linked directly to their Coinbase account. The Coinbase One Credit Card elevates the offering with a premium American Express credit card that provides higher Bitcoin rewards based on assets held on the platform. Both cards offer no foreign transaction fees and integrate directly with the Coinbase ecosystem. Users should be aware of the tax implications of crypto transactions and the hidden costs of conversion spreads when using either card.
Card launched: April 2019 (UK), later expanded to Europe and U.S.
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