Our verdict
Best for: US users who want the simplest possible crypto card with no fees
Coinbase Card has no annual fee, no monthly fee, zero FX markup, and FDIC-insured USD balance. The realistic cashback of ~1.5% is modest, and cashback is US-only (UK and European users get spending without rewards). What it lacks in sophistication it makes up for in simplicity and trust, Coinbase is one of the most regulated crypto companies in the US. For US users who want a low-friction entry point, this is the lowest-risk option on the site.
Specifications
| Card network | Visa |
|---|---|
| Provider | Coinbase / Pathward NA / Marqeta |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | USD |
| Available in | US (49 states), UK, 31 European countries |
| Supported chains | Coinbase platform |
| Supported assets | BTC, ETH, USDC, SOL, DOGE, DAI, GRT, XLM, AMP, RLY and 50+ assets |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 4% in Crypto (rotating) (realistic ~1.5%) |
| Daily spend limit | $2500 |
| Monthly spend limit | , |
| Daily ATM limit | $1000 |
| Last verified | 2026-04-30 |
What to watch out for
- Visa prepaid debit by Pathward NA
- FDIC-insured USD balance
- no annual/monthly/transaction/FX/ATM fees
- 2.49% spread on crypto-to-fiat conversion at POS
- USDC spending has 0% spread (functionally a free bank card)
- USDC conversion from USD is free
- Apple Pay/Google Pay support US only
Editorial notes
- Daily spend cap $2500, ATM $1000/day, max balance $25K (low vs competitors)
- reload max $5000/24h
- rotating rewards must be selected before period ends or forfeited
- cashback US-only
- UK/Europe users get spending without rewards
- separate Coinbase One Amex Credit Card available US-only with 2-4% BTC back tiered by AOC + $49.99/yr One membership
Frequently asked questions
Where is the Coinbase Card (Visa Debit) available?
As of 2026-04-30, Coinbase Card (Visa Debit) is available to residents of United States, United Kingdom, and Europe. Specific country list: US (49 states), UK, 31 European countries.
How does the Coinbase Card (Visa Debit) cashback work?
Coinbase Card (Visa Debit) offers up to 4% cashback paid in Crypto (rotating). Rotating monthly rewards: 1% in BTC/ETH/DOGE/DAI; up to 4% in selected assets like GRT/XLM/AMP/RLY. Rewards US-only. Europe / UK get spending only no cashback. 2.49% conversion spread on non-stablecoin crypto. Note: Coinbase has launched a separate Coinbase One Card (Amex credit, US-only) with up to 4% BTC back tied to assets-on-Coinbase tier. In practice, the realistic effective rate for most users is around 1.5%.
What are the fees on the Coinbase Card (Visa Debit)?
Coinbase Card (Visa Debit) has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Coinbase Card (Visa Debit) hold my crypto?
Yes. Coinbase Card (Visa Debit) is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.