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Coinbase Card

Cory Santos

| Last updated on January 31st, 2024

Coinbase Card

Coinbase Card
No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

Coinbase Card

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
  • You already use Coinbase
  • You want to use your crypto to make purchases
  • You prefer to earn cash back rewards in crypto and are willing to gamble on Stellar Lumens
  • You do't want to pay an annual fee
  • You understand the transaction fees the card charges

In-Depth Review: Coinbase Card

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.

Who Can Get the Coinbase Card?


Eligibility for the Coinbase Card is currently limited. The card is currently only available to current Coinbase customers in the United States (excluding Hawaii).

How to Apply

To apply for the Coinbase Card, follow the following steps:

  1. Click the “Visit Card Site” button at the top of the page or sign in to your account or access the Coinbase mobile app.
  2. Select the “Card” option on the page
  3. Apply for the card providing the required information:
    1. Full name
    2. Contact address
    3. Social Security Number (SSN)
    4. W2 tax form (if applicable)
    5. Bank account to fund your account
  4. Select the currency you want to earn rewards in and agree to the terms and conditions
  5. Upon completion, You’ll receive a virtual card with your physical card in the mail within 7 to 10 business days.

Spend Crypto and Earn Crypto Rewards

Like other crypto debit cards on the market, the card links to a user’s account – in this case, Coinbase. Users 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% 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 major names (Bitcoin, Litecoin, Ethereum) and lesser-known options (Stellar Lumens, Ripple, Augur, etc.) The platform also includes the formerly “joke” coin, Dogecoin.

With the Coinbase Visa Debit Card, users can use any cryptocurrency to purchase anywhere Visa accepts. This feature makes the card one of the most potent crypto debit cards today. Add to that the card’s availability in 30 countries, and it’s tough to find much wrong with the card.

Visa Debit Benefits

Dovly Uplift™ credit score monitoring ID Navigator Powered by NortonLifeLock Visa Zero Fraud Liability Lost/Stolen Card Reporting

Other Card Benefits

Other notable features of 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

Fee Schedule

The Coinbase Card benefits from a lack of fees. Cardholders won’t be charged for any of the following transactions with their crypto debit card:

Fee Charge
Card purchase $0
Monthly fee $0
Add funds $0
Purchases $0
ATM withdrawal (domestic) $0
ATM withdrawal (international) $0
Customer servcie $0
Card replace $0

Crypto Debit Comparison Visa Fold Visa® Prepaid Card Coinbase Card
Annual fee $0 Up to $150 $0
Rewards Up to 5% back based on CRO stake Each purchase activates a spin on the Spin Wheel Sweepstakes Up to 4% back in XLM or 1% back in BTC
Tiers 5 N/A 4

Pros & Cons

Pros Cons
Immediate access to your crypto wallet funds Must spend your crypto
Earn rewards and build a bigger crypto portfolio Debit cards offer less security than credit cards
More convenient way to use crypto instead of fiat currency Additional program fees may apply
No credit check required to open Can’t build credit

Things to Consider

While Coinbase Card supports popular cryptocurrencies like Bitcoin and Ethereum, it may not support some lesser-known or newer cryptocurrencies. If you hold a significant amount of cryptocurrency that is not supported by a Coinbase Card, you may need to convert it to a supported cryptocurrency before using the card.

Cryptocurrency exchange rates are highly volatile. When you make a purchase using the card, the crypto is instantly converted into traditional currency at the prevailing exchange rate. This means that if the exchange rate fluctuates significantly between the time of the transaction and the time Coinbase processes it, you may end up paying more for your purchase than you initially anticipated.

Coinbase Ratings

Here is how Coinbase stacks up as a financial services and cryptocurrency platform:

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 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 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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