Visa / American Express
Coinbase Card
6.0/10Overall Score
Card Mode
--
Card Type
CreditDebit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
02Spending & Conversion
- Base Transaction Fee
- 0%
- Top-ups Fee
- 0%
- FX Fee
- 0%
- Crypto / Fiat Conversion
- 0%
03Rewards
- Cashback
- 2%
Card Guide
Overview
Coinbase Card is a Visa prepaid debit card from Coinbase (Nasdaq: COIN), issued by Pathward, N.A., an FDIC member, under licence from Visa, with processing by Marqeta. It is a custodial product: users move dollars or crypto onto the card balance, Coinbase converts to USD automatically at the point of sale, and the USD balance is FDIC-insured up to USD 250,000 through Pathward.
Both virtual and physical cards are offered, with no credit check and no need to stake assets. A separate product line, Coinbase One Card — an American Express credit card requiring the USD 49.99-a-year Coinbase One membership and paying up to 4% back in bitcoin — is different from this card.
Benefits
| Item | Details |
|---|---|
| Crypto rewards: | choose one asset from a rotating list as the reward currency and switch at any time. BTC and ETH typically sit around 1%, with some rotating assets paying up to 4%. |
| Rewards are limited to US users; UK and European users can spend but do not earn rewards. | |
| No staking requirement, no minimum holdings and no credit review. | |
| Deposit protection: | USD balances are FDIC-insured up to USD 250,000 through Pathward. |
Fees
| Item | Details |
|---|---|
| Issuance fee: | 0. |
| Monthly / annual fee: | 0. |
| Transaction fee: | 0 — spending in USD and USDC is free. |
| FX fee: | Coinbase charges none; the rate follows Visa settlement. |
| Crypto conversion spread: | about 0.5%–2.49% on non-stablecoin assets and 0% on USDC. |
| ATM: | Coinbase charges no withdrawal fee, though ATM operators may. |
| Top-up / funding: | ACH bank deposits and direct payroll deposits are free; crypto deposits follow on-chain rules. |
| Other: | merchant categories such as gambling, securities brokerage, money transmission and crypto businesses are prohibited. |
| Tier differences: | the main card has no tiers; higher-tier benefits come through the Coinbase One membership (a monthly fee), priced independently of this card. |
Availability
| Item | Details |
|---|---|
| Supported regions: | the United States (49 states, excluding Hawaii); 31 European countries and territories — Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK. |
| Unsupported regions: | Hawaii in the United States; mainland China. |
| Spending limits: | about USD 2,500 a day in the US and EUR 2,500 in Europe; a card balance cap of USD 25,000; a 24-hour top-up cap of USD 5,000. |
| ATM limits: | USD 1,000 a day, up to 6 withdrawals. |
| Sign-up requirements: | a verified Coinbase customer (government document plus selfie); the US version requires a US residential address; no credit check and no minimum balance. |