TL;DR.Coinbase Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $2.49. Top-up fee 0%, FX fee 0%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 1, 2026.
CARD PROFILE · FULL KYC
Coinbase Card.
Visa debit issued by a regulated US bank (Pathward) — spend crypto directly from Coinbase balance and earn up to 4% back in rotating crypto rewards. Zero spending fees on USDC and USD.
Cost / $100
$2.49
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +No annual fee, no monthly fee, and no foreign transaction fee on Coinbase's side
- +No fees when spending USD or USDC balances
- +Earn crypto rewards (1% back in BTC/ETH/DOGE or 4% back in selected assets like XLM/GRT/AMP/RLY)
- +Visa debit accepted at 40M+ merchants worldwide
- +Apple Pay and Google Pay supported in the US, plus contactless physical card
- +Instant virtual card available in the Coinbase app
- +ATM withdrawals free from Coinbase up to $1,000/24h
- +Issued by Pathward, N.A. — FDIC-member US bank
Cons.
- −US program limited to US residents (excluding Hawaii); separate Paysafe-issued EU/UK program does NOT support Apple Pay/Google Pay
- −2.49% conversion fee when spending non-USDC crypto (BTC, ETH, etc.)
- −Spread embedded in Coinbase's crypto buy/sell quotes
- −Daily spend cap $2,500 and ATM cap $1,000/24h may be limiting
- −Full Coinbase KYC required (ID + selfie + address) — not privacy-friendly
- −Card balance capped at $25,000
- −ATM operator surcharges still apply
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
2.49%
FX fee
0%
Issuance
Free
Monthly
Free
Cost / $100
$2.49
No annual or monthly fee; no foreign transaction fee from Coinbase; no fee on USD/USDC. Spending other crypto (BTC, ETH, etc.) triggers 2.49% liquidation fee plus embedded spread. ATM free from Coinbase, but third-party ATM operators may charge.
COVERAGE
Where it works.
Supported coins
BTCETHUSDCLTCDOGEBCHXLMDAIGRTAMPRLY
Chains
BitcoinEthereumLitecoinDogecoinStellar
Use cases
Online · IRL · ATM
Blocked countries
IRKPSYCURUBYVEMMSDCNIQ
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
4/5
21955 reviews
Monevia score
67/100
Verified May 1, 2026
ALTERNATIVES