Coinbase Card

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Coinbase Card

Coinbase Card
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    No Credit Required
  • Processing Network Visa
Best Benefits
  • Spend any asset in your Coinbase portfolio and earn rewards for each purchase
  • Spend crypto everywhere Visa debit cards are accepted
  • No annual fee or signup fee
  • Phone and email support available whenever you need it
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
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At a Glance

The Coinbase Card is a crypto rewards debit card that features up to 4% back on all purchases in crypto for no annual fee. The card provides seamless integration with a user’s Coinbase wallet but comes with a number of transaction fees.

Ideal for Those Who:

  • Already use Coinbase
  • Want to use their crypto to make purchases
  • Prefer to earn cash back rewards in crypto and are willing to gamble on Stellar Lumens
  • Don’t want to pay an annual fee
  • Understand the transaction fees the card charges

Coinbase Card Review

The Coinbase Card is a Visa debit card that lets holders spend any asset in their Coinbase portfolio and earn rewards for each purchase – for no annual fee.

Spend Crypto and Earn Crypto Rewards

The card, like other crypto debit cards on the market, links to a user’s account – in this case, Coinbase. Users simply sign up for a Coinbase account, load their wallet with crypto (from a vast array of cryptocurrencies, including Dogecoin), and then use their card to make purchases anywhere Visa is accepted worldwide.

Earn Up to 4% Back

Coinbase cardholders can earn up to 4% back – but with a catch. The card earns 4% back in Stellar Lumens (XLM) or 1% back in Bitcoin (BTC). Getting 4% back is an excellent option, but the value of Stellar Lumens (an up-and-coming crypto token) is relatively volatile compared with the general stability of Bitcoin. Additionally, XLM is far less valuable than BTC, but for those who like to gamble on crypto futures, XLM offers a great opportunity for wealth-building.

Spend Crypto

One of the great features of Coinbase and its platform is that it offers so many cryptocurrencies. Coinbase currently supports approximately 50 cryptocurrencies, including all of the major names (Bitcoin, Litecoin, Ethereum) and lesser-known options (Stellar Lumens, Ripple, Augur, etc.) The platform also includes formerly “joke” coin, Dogecoin.

With the Coinbase Visa Debit Card, users can use any of their cryptocurrency to make purchases anywhere Visa is accepted. This feature makes the card one of the most potent crypto debit cards on the market today. Add to that the card’s availability in 30 countries and its tough to find much wrong with the card.

Transaction Fees

One issue with the Coinbase Card is the fee for making purchases. Coinbase charges a flat 2.49% transaction fee on all purchases, including ATM withdrawals made with other cryptocurrencies. Keep in mind that using the card at an ATM may incur ATM fees from the machine, so it’s easy to see how fast charges can rack up.   

Coinbase also charges fees for selling or buying cryptocurrency, as well as conversion charges. These fees vary depending on location but are as follows for U.S. accountholders:

coinbase visa credit card fees
Coinbase fees for U.S. cardholders

Other Card Features

Other notable features with the Coinbase Visa Card include:

  • No annual fee
  • Complimentary virtual card with order of a physical debit card
  • 24/7 customer support
  • Push notifications for online purchases
  • Mobile wallet compatibility
  • EMV chip and contactless payment technology
  • Visa Zero Fraud Liability

Should You Consider Getting the Coinbase Visa Debit Card?

The Coinbase Visa Card is an attractive crypto debit card that offers seamless compatibility with Coinbase, its platform, and its digital wallet. The card earns up to 4% back on purchases in Stellar Lumens and a significantly reduced 1% back in BTC.

The cash back rewards with the card are great but less generous than other crypto cards. That said, the card does come with no annual fee, while others, such as the BlockCard or Crypto.com Card, charge a fee unless specific spending thresholds are crossed.

The major downside of the Coinbase Card is the transaction fees that it charges. The 2.49% charge might not hurt too much for sizeable purchases, but for everyday purchases, the card simply isn’t practical – as fees can quickly mount. Overall, the card is very versatile, especially given the number of cryptocurrencies supported and the countries in which it can be used.

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