Coinbase Card review
Coinbase Card is a genuinely fee-light way to spend crypto, but the two products under this name behave very differently, and the marketing headline of "up to 4%" is easy to misread.
In the US, Coinbase issues a Visa debit card with no card, monthly, or annual fee and $0 issuer-side ATM and foreign-transaction fees; spending USD or USDC avoids any conversion cost, while spending other crypto triggers a separate liquidation fee described inconsistently across sources (older cardholder agreements show 2.49%, the current agreement PDF shows 0%, so the real rate should be checked at signup). Rewards on the Visa debit card rotate monthly among selected crypto assets (historically GRT, XLM, AMP, RLY) at up to 4%, with a lower fixed 1% on BTC/ETH/DOGE/DAI, and users must actively pick a reward asset in the app or forfeit the period's rewards.
A separate Coinbase One Card, issued on the American Express network via Cardless and First Electronic Bank, requires an active paid Coinbase One membership ($4.99 to $299.99+/month depending on plan) and pays Bitcoin back in four tiers based on Assets on Coinbase (AOC): 2% under $10,000, 2.5% from $10,000, 3% from $50,000, and 4% from $200,000. The boosted 2.5/3/4% rates apply only to the first $10,000 of eligible purchases per calendar month combined, after which spend reverts to 2% for the rest of that month; a separate Coinbase One Card Travel portal pays a flat 5% outside that cap. For the EEA/UK Visa debit product, the card works for spending but pays no rewards at all outside the US.
Buying crypto with either card is treated as a cash advance, not a purchase, and carries no rewards plus a high APR (32.24% on the Coinbase One Card) and an advance fee.
- Issuer
- Coinbase
- Rewards
- US Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.
- Fees
- No annual, monthly, or issuer-side ATM/foreign-transaction fee on the US Visa debit card; the Coinbase One Card carries a required paid membership starting at $4.99/month instead of a card fee.
- Available in
- All US states except Hawaii (Visa debit, full rewards), United Kingdom (Visa debit, spending only, no rewards), Most of the European Economic Area (Visa debit, spending only, no rewards)
Reward tiers
The 2.5%, 3%, and 4% tiers on the Coinbase One Card apply only to a combined $10,000 of eligible purchases per calendar month, after which the remainder of that month's spend earns 2% regardless of tier. Coinbase One Card Travel bookings earn a flat 5% outside this cap.
| Tier | Rewards | Requirements |
|---|---|---|
| Visa debit, rotating reward asset | Up to 4% on selected altcoins, 1% on BTC, ETH, DOGE, or DAI | Select a reward asset each month in the Coinbase app; assets and rates rotate periodically |
| Coinbase One Card, under $10,000 AOC | 2% Bitcoin back | Active paid Coinbase One membership |
| Coinbase One Card, $10,000 to $49,999 AOC | 2.5% Bitcoin back | Assets on Coinbase (30-day average after the first 60 days) between $10,000 and $49,999.99 |
| Coinbase One Card, $50,000 to $199,999 AOC | 3% Bitcoin back | Assets on Coinbase between $50,000 and $199,999.99 |
| Coinbase One Card, $200,000+ AOC | 4% Bitcoin back | Assets on Coinbase of $200,000 or more |
Where you can get the Coinbase Card
Two separate products under one name. The US Visa debit card covers every state except Hawaii and is the only one that pays rewards; the EEA and UK card spends but earns nothing. Coinbase also publishes a separate list of countries where the card cannot be used at all, even by an eligible cardholder travelling there.
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
United Kingdom
United StatesPros and cons
What works
- No monthly or annual fee on the base Visa debit card
- No issuer-side foreign transaction or ATM fee in the current cardholder agreement
- Coinbase One Card's Bitcoin-back tiers scale up to 4% for larger Coinbase balances
- Widely accepted Visa network with Apple Pay and Google Pay support
What to watch
- Rewards on the plain Visa debit card are US-only; UK and EEA cardholders can spend but earn nothing
- Coinbase One Card rewards require a paid membership on top of the card itself
- The 2.5-4% Coinbase One Card tiers are capped at the first $10,000 of monthly spend, reverting to 2% after that
- Buying crypto with either card is treated as a cash advance with a high APR and no rewards
Coinbase Card compared
Fact by fact against each card we review, with a verdict where our rating decides it.
- Bitget Wallet Card vs Coinbase Card
- Bitpanda Card vs Coinbase Card
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- Coinbase Card vs ether.fi Cash
- Coinbase Card vs Fold Card (debit) and Fold Credit Card
- Coinbase Card vs Gemini Credit Card
- Coinbase Card vs Gnosis Pay Card (Gnosis Card)
- Coinbase Card vs KuCoin Card (KuCard)
- Coinbase Card vs Nexo Card
- Coinbase Card vs RedotPay Card
- Coinbase Card vs Wirex Card
Frequently asked questions
Does Coinbase Card work outside the United States?
A separate Visa debit product is available to residents of the United Kingdom and most European Economic Area countries, but it only supports spending; crypto rewards on card purchases are limited to US cardholders.
How much does Coinbase Card cost?
The US Visa debit card has no annual, monthly, or issuer-side ATM or foreign transaction fee. The Coinbase One Card requires an active paid Coinbase One membership starting at $4.99 per month to open and keep the card.
What is the real cashback rate on Coinbase Card?
It depends on the product. The Visa debit card pays a rotating rate up to 4% on a small set of selected altcoins and only 1% on BTC, ETH, DOGE, or DAI. The Coinbase One Card pays 2% to 4% in Bitcoin based on how many assets you hold on Coinbase, capped at the first $10,000 of monthly spend for the higher tiers.
Can I use Coinbase Card to buy more crypto?
Yes, but it is processed as a cash advance rather than a purchase, which on the Coinbase One Card carries a 32.24% to 29.49% variable APR plus an advance fee, and earns no rewards.