Coinbase Card
by Coinbase
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 2.49%
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Coinbase Card suits US crypto holders who want a simple way to spend digital assets, and it works smoothly with the Coinbase account. The 2.49% conversion fee takes a bite out of the savings.
What we like
- +Run by a leading US exchange with a solid security record
- +Up to 4% crypto rewards on selected tokens
- +No monthly or annual fee
- +Virtual card available right after KYC
- +Backed by a publicly traded company
Watch out for
- −2.49% crypto conversion fee on purchases
- −US only, not available abroad
- −Rewards cut from earlier rates
- −Full KYC required
- −Fewer cashback options in the EU version
5.7/10
Editor score
Fair
4.8/10
User rating
Based on 54 sources
Lv 4
KYC Level
Full KYC
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- BTC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2.49%
- FX Fee
- 3%
- Top-up Fee
- 2.49%
- Decline Fee
- —
Limits
- Daily Spend
- $2,500
- Monthly Spend
- $25,000
- ATM Withdrawal
- $1,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
4.8/10
Sourced from
The card family includes a Visa prepaid debit card, which sells crypto from the Coinbase exchange at payment, and the late-2025 Coinbase One Credit Card backed by Amex with up to 4% Bitcoin cashback. Rewards are calculated at the live price at settlement, and the Amex tie-in brings protections like return protection and extended warranties. The commercial terms are the sticking point. The top 4% rate requires $200,000 in Assets on Coinbase and is capped at $10,000 of monthly spend, which many on Reddit reject given past exchange failures. The debit card's hidden conversion spread, estimated at 1.5-2.5%, can cancel out rewards, and the $49.99 yearly Coinbase One membership for the credit card clashes with the no-annual-fee pitch. Support is the sharpest complaint, with holds of 3-6 hours, a lockout loop where support needs a login that is broken, and automated checks that freeze whole portfolios without warning. The May 2025 insider breach, in which bribed contractors leaked IDs and transaction histories, damaged privacy trust, and spending data is shared with Google and Facebook by default. Outside the US the card is effectively unavailable.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Bitcoin, Polygon, Solana, Base
Frequently asked questions
Does the Coinbase Card require KYC?
Yes. Coinbase asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Coinbase Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 2.49%, an FX fee of 3%. See the fee table above for ATM and decline fees.
Does the Coinbase Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Coinbase Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the Coinbase Card support?
BTC, ETH, USDT, USDC, DOGE, DAI, XLM, LINK, UNI, AAVE.
Last updated August 19, 2026, verified August 6, 2026.