Coinbase Card
Prepaid Visa debit card from Coinbase that spends USD or crypto and pays crypto rewards.
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Coinbase Card key facts
| Category | Crypto card |
|---|---|
| Platforms | iOS, Android, Web |
| Custody | Custodial |
| Fees | No spending fees for USD or crypto; no annual fee |
| US availability | All Coinbase customers in the US, excluding Hawaii |
| Company | Issued by Pathward, N.A., Member FDIC; powered by Marqeta |
What is Coinbase Card?
Coinbase Card is a Visa prepaid debit card from Coinbase that spends USD, USDC or other crypto from a Coinbase account and pays crypto rewards on purchases. It is issued by Pathward, N.A., powered by Marqeta, and open to Coinbase customers in the US except Hawaii.
How Coinbase Card works
Coinbase Card is a Visa prepaid debit card tied to your Coinbase account.
You pick a spendable asset under Paying With: USD, USDC or another supported crypto. At checkout or an ATM, Coinbase converts that asset to US dollars automatically, so the merchant receives dollars. Spending anything other than USD or USDC is a sale of crypto, which the IRS treats as a taxable disposal of property that you report on your return.
Rewards are paid in a crypto token you choose from a rotating list. Earned rewards do not expire, but each reward offer does, and if yours lapses without a new pick, Coinbase chooses one for you. The rate is variable and shown in the app. The card cannot be used for gambling, money orders, wire transfers, crypto businesses or several other merchant categories, or in 27 countries including China, Russia, Turkey and Ukraine.
How to start with Coinbase Card
- You need a verified Coinbase account and a US address outside Hawaii.
- In the app or on Coinbase.com, select Card and follow the prompts.
- Under the USA PATRIOT Act, Coinbase asks for your name, address and date of birth and may request a Social Security Number, W-2 or ID documents.
- There is no credit check and no staking requirement.
- A virtual card is ready right after sign-up.
- A physical card arrives in 2 to 3 weeks after you set a 4-digit PIN.
- You fund it from your Coinbase USD or crypto balance, a linked bank account or part of a paycheck.
- Transfers to Venmo, PayPal or Cash App are not supported.
- Spending and ATM limits vary by customer and appear under Card, Support.
Coinbase Card fees and limits
Coinbase charges no spending fee in USD or crypto and no annual fee, and it does not charge for ATM withdrawals, although the ATM operator may. The cost when you spend crypto is the spread Coinbase builds into the price when it sells your asset for dollars. Full fees are disclosed in the Cardholder Agreement and User Agreement.
Risks to know before using Coinbase Card
- This is a prepaid card issued by Pathward, N.A. and funded from your Coinbase balances.
- Every non-stablecoin purchase creates a taxable event, and a USDC purchase stays tax-neutral only while USDC trades at par with the dollar, per Coinbase's tax note.
- Coinbase handles lost or stolen cards and disputes through its help center, and you can lock the card in the app.
Coinbase Card alternatives
Other projects people compare with Coinbase Card.
American Express network credit card from Coinbase that pays bitcoin back, open only to Coinbase One members.
Bitcoin rewards app with a prepaid Visa debit card and a bitcoin rewards credit card.
Mastercard World Elite credit card from the Gemini exchange that pays rewards in crypto.
Coinbase Card pros and cons
- No fees for spending USD, USDC or crypto
- No annual fee
- Card freeze and PIN change in the app
- Not available to residents of Hawaii
- Debit card only; it does not build credit
Coinbase Card FAQ
What is Coinbase Card?
Coinbase Card is a Visa prepaid debit card from Coinbase that spends USD, USDC or other crypto from a Coinbase account and pays crypto rewards on purchases. It is issued by Pathward, N.A., powered by Marqeta, and open to Coinbase customers in the US except Hawaii.
How much does Coinbase Card cost?
No spending fees for USD or crypto; no annual fee, according to Coinbase Card’s own page (checked Sep 26, 2026).
Is Coinbase Card available in the US?
All Coinbase customers in the US, excluding Hawaii, according to Coinbase Card’s own page (checked Sep 26, 2026).
Does Coinbase Card hold my funds?
Yes. Coinbase Card is custodial: it holds the keys to your balance.
Sources
How this page works
Sources: Coinbase Card: official site, Coinbase: Coinbase Card intro, Coinbase: Apply for Coinbase Card. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.