Custodial Visa debit and AmEx credit cards for spending any crypto held on the Coinbase platform.
A dual offering consisting of a Visa debit card and an American Express credit card, both designed to let users spend cryptocurrency directly from their Coinbase account. The debit card automatically converts crypto to fiat at the point of sale, while the credit card offers tiered Bitcoin rewards and is paid off like a traditional card, with an option to use crypto for statement payments.
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Coinbase users wanting to spend crypto or earn up to 4% BTC rewards.
You want a non-custodial card or live outside the U.S./EU.
The Coinbase Card is available in two formats: a Visa debit card and an American Express credit card. The debit card, issued by Pathward, N.A., allows users to spend any crypto from their Coinbase balance, with automatic conversion to fiat at the point of sale. The Coinbase One Credit Card, issued by First Electronic Bank, is a premium metal AmEx card available to Coinbase One subscribers in the U.S., offering tiered Bitcoin rewards based on assets held on the platform. Both cards feature no Coinbase-levied foreign transaction fees and integrate directly into the Coinbase app for management.
Both the debit and credit cards have no issuance fees or annual fees, though the credit card requires an active Coinbase One membership ($49.99/year minimum).
The Coinbase Card offering includes two distinct products with different features:
Coinbase Visa Debit Card:
Coinbase One American Express Credit Card:
Reward structures differ significantly between the debit and credit cards. **Visa Debit Card:** U.S. users earn crypto rewards, with rates typically around 0.5-1% in assets like BTC or ETH. The rewards program is not available for UK/EU cardholders. **AmEx Credit Card:** Offers a tiered Bitcoin rewards structure based on the user's 'Assets on Coinbase' (AOC). All cardholders start at 2% back. Rewards at the 2.5%, 3%, and 4% tiers are capped on the first $10,000 of eligible purchases per month; spending beyond this cap earns 2%.
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.
Risk note. If Coinbase ceases operations or your account is compromised, you could lose access to the funds held on the platform.
Credit card requires credit approval through First Electronic Bank. Standard credit card late fees apply. Can pay statement balance with cryptocurrency from Coinbase account.
Direct deposit capability allows having paycheck deposited directly to Coinbase
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
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.
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.
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