Coinbase Card [USA]

#5 (out of 51) in Crypto Cards
#1 (out of 11) in Crypto Cards for North America
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Strong, high-authority company
  • Popular card
  • Does not have 3D security feature
Visa or MC
Debit or Credit

Debit Card

Denominated In$ USD
Apple PayEnabled
Monthly Fee

0.00 USD

Monthly Inactivity Fee

0.00 USD

Crypto to USD Crypto->USD Conversion Cost


Highest Cashback

up to 4%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

750 USD

Daily Spending Limit

2,500 USD

Daily ATM Withdrawal Limit

1,000 USD

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported Countries
Coinbase Card for USA: A real card for your real-world transactions.

Coinbase Card for USA: A real card for your real-world transactions.

Coinbase Card Benefits and Rewards – for USA

The Coinbase Card’s rewards structure enables you to earn up to 4% back on all purchases. The reward rates can vary depending on the specific cryptocurrency you choose. For example:

  • Earn 4% back in Stellar Lumens (XLM)
  • Earn 1% back in Ethereum (ETH)
  • Earn 1% back in Bitcoin (BTC)

Rotating Rewards: The program features rotating rewards to give customers more flexibility and the ability to choose the cryptocurrency in which they want to receive rewards. You can log into your Coinbase mobile app to see currently available rewards.

4% cashback isn’t always available. Available rewards change with time, and most rewards are offered at around a 1% cashback rate.

Reward Selection: After selecting the offer of a reward, it will apply across all your card spending, regardless of the cryptocurrency being spent. You can also switch your chosen rewards option anytime via the app.

Automatic Rewards: If you don’t select a reward by the time the next rotation launches, you will automatically receive the reward offering the highest crypto-back rate.

Rewards are issued once a transaction is completed, typically within 1-5 business days.

Note: ATM withdrawals, bill payments, and cashback transactions do not qualify for rewards.

Coinbase Card is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

Coinbase Card differs from a traditional debit card, where the balance is linked directly to your bank account. Instead, with Coinbase, the card is connected to your chosen crypto coin balance on their platform.

Since Coinbase doesn't offer a bank account with this card (while some crypto cards do), it means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It Comes in Both Physical and Virtual Forms

You can get Coinbase Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsNo ATM Withdrawals
Required for Car Rentals, HotelsNo Tangible Asset
Useful When Phone Dies, or no WifiApple Pay Enabled: Virtual but In-Store Ready
Backup Payment MethodInstant Availability

Useful:Since Coinbase Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.

Crypto-to-USD Conversion Cost with Coinbase Card

Coinbase Card Converts Your Crypto on Demand

Coinbase Card offers instant conversion to USD at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

Crypto to Fiat Conversion Fee~2.5%
Sell Spread~1.5%
Transaction Fee
Total Crypto to USD Cost~4%

High Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Coinbase Card will cost you more (~4%). This means that you will get less USD for your crypto when using this card.

From all crypto cards we reviewed for North America, Card, Shakepay Card and Netcoins Card offer the cheapest crypto-to-fiat conversions (~0.75%, ~0.75% and ~1.1% respectively), while converting crypto with Coinbase Card will cost you the most, ~4%.

How Does Coinbase Card Compare to Other Crypto Cards?

Coinbase Card ranks #5 out of 51 amongst all the crypto cards we have reviewed so far. This makes it the absolute winner in its category.

We compared Coinbase Card with 10 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.

Strongest Features Against Competitors

Here are the strongest features of Coinbase Card against its 10 competitors:

  • Offers impressive maximum cashback of up to 4% (other cards have an average of 3%).
  • Offers up to 750 USD per month in cashback for entry-level users (exceeding the competitors' 400 USD average).
  • Supports 235 cryptocurrencies (while other cards support an average of 30).
  • Solid company with a 10/10 company strength score (the average for all competing cards is 6/10).
  • Their customer service is very good with a 7.9/10 score (others score only 5.8/10 on average).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
  • Offers all ATM withdrawals fee-free (which is generous compared to the average monthly 200 USD free withdrawal limit of other cards).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 10 competitors, here are the shortcomings of Coinbase Card:

  • Daily spend is capped at 2,500 USD (while other cards offer 11,500 USD daily spend limit on average).
  • Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~4% (versus an average of ~1.8% with other cards.)
  • Their fee structure is not so budget-friendly, with a score of 4.2/10 (average fee structure rating amongst other cards is 6.4/10).
  • Coinbase Card [USA] vs. Gemini Card vs. Wealthsimple Card

    Coinbase Card
    Gemini Card
    Wealthsimple Card
    Monthly Fee 0.00 USD 0.00 USD 0.00 CAD
    Crypto to Fiat Cost ~4% ~1.74% ~3%
    Highest Cashback up to 4% up to 3% 1%
    Entry-Level Cashback 1% 3% 1%
    Daily Spending Limit 2,500 USD 25,000 USD 5,000 CAD
    Daily ATM Limit 1,000 USD 1,000 USD 1,000 CAD
    Foreign Exchange Fee 2.49% 0% 0%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 235 53 57
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Great Great
    Company Strength Strong Medium Medium

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Gemini Card offers the highest daily spending limit of 25,000 CAD. You will get lower daily limits with Coinbase Card and Wealthsimple Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Coinbase Card offers the best cashback rewards of up to 4%. The cashback rewards for Gemini Card and Wealthsimple Card are not as high.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Coinbase Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in USD

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Coinbase Card:

You're at a local ATM and have:
0.0577 ETH (200 USD)
-8 USD
Coinbase Crypto-to-Fiat Conversion Cost: ~4%
-0 USD
Coinbase ATM Withdrawal Fee: 0 USD + 0%
-3 USD
ATM Operator Fee: ~3 USD
189 USD

Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Coinbase Card will cost you a total of ~11 USD (5.5% of 200 USD), resulting in a final cash withdrawal of 189 USD in hand.

Doesn't Coinbase Card Offer Free ATM Withdrawals?

Yes, with Coinbase, all ATM withdrawals are free withdrawals. But this only refers to their ATM withdrawal fee.

International non-USD ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Coinbase Card, here's what it will look like:

You're at an international ATM and have:
0.0577 ETH (200 USD)
-8 USD
Coinbase Crypto-to-Fiat Conversion Cost: ~4%
-0 USD
Coinbase Intl ATM Withdrawal Fee: 0 USD + 0%
-4.78 USD
Coinbase Foreign Exchange Fee: 2.49%
-1.92 USD
Visa Foreign Exchange Fee: 1%
-3 USD
ATM Operator Fee: ~3 USD
-3.84 USD
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 178.46 USD)

For an international withdrawal using your Coinbase Card with an initial 200 USD in ETH, you'll incur fees totaling ~21.54 USD (10.8% of 200 USD), leaving you with 178.46 USD in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Coinbase Card is more expensive for both local and international ATM withdrawals:

Cost with Coinbase CardCost with Other Cards
Local ATM Withdrawals~11 USD (5.5% of 200 USD)~9 USD (4.5% of 200 USD)
International ATM Withdrawals~21.6 USD (10.8% of 200 USD)~18.2 USD (9.1% of 200 USD)

From all crypto cards that we reviewed, Netcoins Card, Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.6%, 4.2% and 4.5% of 200 USD respectively), while Gemini Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 8.2% of 200 USD.

We Tested Coinbase's Customer Support

We asked Coinbase's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Coinbase offers support via the following channels:

Web Form

Location: Coinbase customer service reps are located in United States flagUnited States, Philippines flagPhilippines and India flagIndia.¹

Support Channel Our Interaction Score
Web Form
(replied in
19 min)
Replied with a list of requirements for disputing a card transaction.
High Competence
Not Personalized
Adequate English, Professional Tone
Web Form
(replied in
3 d 20 h )
Question was answered with AI-like reply at first, and only upon requesting clarification, a specialist agent stepped in.
Late Reply
High Competence
Highly Personalized
Adequate English, Professional Tone
Web Form
(replied in
5 h 43 min)
Good reply to a question of Apple Pay Availability.
High Competence
Highly Personalized
Adequate English, Professional Tone
Web Form
(replied in
1 h 25 min)
Excellent and knowledgeable response to a question about contactless ATMs and FX Fees.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
Web Form
(replied in
7 h 11 min)
Didn't answer the questions asked. Seems like AI-assisted response.
Low Competence
Somewhat Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: More often than not, Coinbase's customer service responses are highly competent, proving they're a company that takes your questions seriously.

Customer Love: Coinbase's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.

Reply Speed: Response times are inconsistent, ranging from as quick as 19 minutes to as slow as 4 days.

Overall Customer Service Rating: 7.9/10

With this score, Coinbase's Customer Service is mediocre, comparable to the 7.5/10 average of other crypto card companies.

Is Coinbase Card Available for Residents of United States?

Yes, this version of Coinbase Card was specifically designed for the residents of United States.

Coinbase Card [USA] supports: United States. Coinbase Card [EU] supports the following countries: 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.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Yes. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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