Coinbase Card [USA]

#3 (out of 35) in Crypto Cards
#1 (out of 5) in Crypto Cards for USA
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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

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


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

Crypto to Fiat Conversion

Manual when Preloading

Supported Countries
Supported CryptocurrenciesShow All (231)
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

Before you can use your Coinbase Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to real-life currency and moving it to the card account, to make it available for spending.

It's Offered in Physical Form, Without an Instant Virtual Equivalent

Coinbase Card is available solely in physical form, unlike 50% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.

Wondering about the pros and cons of physical-only format? Here are some highlights:

Physical Card
No Virtual Card
ATM WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot Have a 2nd Card with Lower Spend Limits

Even though it's a physical-only card, Coinbase Card does have Apple Pay support, allowing you to pay with your phone instead of having to take out your wallet everytime.

How Does Coinbase Card Compare to Other Crypto Cards?

Coinbase Card ranks #1 out of 5 amongst similar crypto cards. This makes it the absolute winner in its category.

While we have a total of 35 cards listed in our Crypto Cards category, only 4 are comparable to Coinbase Card [USA], since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Coinbase Card against its 4 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Offers up to 750 USD per month in cashback for entry-level users (exceeding the competitors' 400 USD average).
  • Provides a substantial ATM widthdrawal allowance of 1,000 USD per day (average amongst other cards is only 750 USD).
  • Supports 231 cryptocurrencies (while other cards support an average of 55).
  • Solid company with a 10/10 company strength score (the average for all competing cards is 8/10).
  • Their customer service is very good with a 7.9/10 score (others score only 5.4/10 on average).
  • Offers all ATM withdrawals fee-free (which is generous compared to the average monthly 200 USD free withdrawal limit of other cards).
  • Their overall fee structure is incredibly budget-friendly, with a score of 7.4/10 (average fee structure rating amongst other cards is 5.6/10).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 4 competitors, here are the shortcomings of Coinbase Card:

  • Daily spend is capped at 2,500 USD (while other cards offer 12,000 USD daily spend limit on average).
  • Requires preconversion of crypto to load the card (while 20% of competitors auto-convert on every purchase).
  • Coinbase Card [USA] vs. Gemini Card vs. Card

    Coinbase Card
    Gemini Card Card
    Monthly Fee 0.00 USD 0.00 USD 0.00 USD
    Foreign Exchange Fee 2.49% 0% 3%
    Crypto to Fiat Fee 0.61% 1.49% 1.41%
    Highest Cashback up to 4% up to 3% up to 5%
    Entry-Level Cashback 1% 3% 1%
    Daily Spending Limit 2,500 USD 25,000 USD 10,000 USD
    Daily ATM Limit 1,000 USD 1,000 USD 500 USD
    Availability for United States flagUnited States
    Supported Cryptocurrencies 231 53 23
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Great Average
    Company Strength Strong Medium Strong

    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 USD. You will get lower daily limits with Coinbase Card and 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, Card offers the best cashback rewards of up to 5%. The cashback rewards for Coinbase Card and Gemini 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:
0.0611 ETH (200 USD)
-1.22 USD
Coinbase Crypto-to-Fiat Conversion Fee: 0.61%
-0 USD
Coinbase ATM Withdrawal Fee: 0 USD + 0%
-3 USD
ATM Operator Fee: ~3 USD
195.78 USD

Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Coinbase Card will cost you a total of ~4.22 USD (2.1% of 200 USD), resulting in a final cash withdrawal of 195.78 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:
0.0611 ETH (200 USD)
-1.22 USD
Coinbase Crypto-to-Fiat Conversion Fee: 0.61%
-0 USD
Coinbase Intl ATM Withdrawal Fee: 0 USD + 0%
-4.95 USD
Coinbase Foreign Exchange Fee: 2.49%
-1.99 USD
Visa Foreign Exchange Fee: 1%
-3 USD
ATM Operator Fee: ~3 USD
-3.98 USD
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 183.64 USD)

For an international withdrawal using your Coinbase Card with an initial 200 USD in ETH, you'll incur fees totaling ~15.14 USD (7.6% of 200 USD), leaving you with 183.64 USD in the equivalent foreign currency.

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

Cost with Coinbase CardCost with Other Cards
Local ATM Withdrawals~4.2 USD (2.1% of 200 USD)~7.6 USD (3.8% of 200 USD)
International ATM Withdrawals~15.2 USD (7.6% of 200 USD)~17.2 USD (8.6% of 200 USD)

From all crypto cards that we reviewed, Coinbase Card, Netcoins Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.1%, 2.9% and 3.5% of 200 USD respectively), while Wirex Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 5% 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

This excellent score places Coinbase's Customer Service well above the crypto card industry average of 7.1/10.

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 5 cards listed there.

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

Well Noted. 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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