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Coinbase debit card review

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Spend crypto and earn up to 4% back in crypto anywhere Visa is accepted.

Coinbase is a debit card that lets you spend cryptocurrency anywhere Visa is accepted and rewards you with 4% back in Stellar Lumen or 1% back in Bitcoin on each purchase. But it’s not available in the US yet.

$0 per year





Minimum deposit to open


Fee$0 per year
Minimum deposit to open$0

Expert review

Cassidy Horton

Review by

Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

The Coinbase Visa card is best for cryptocurrency enthusiasts who want to earn Stellar or Bitcoin on everyday purchases. The card has no annual fees and connects straight to your Coinbase portfolio, so you don’t have to preload the cards with funds.

But the card isn’t available in the US yet, which means there are still some things we don’t know. For instance, it’s unclear which ATM network the Coinbase card will use and if there will be any other fees associated with the account.

How does the Coinbase card work?

The Coinbase debit card works like this:

  1. Sign up for a Coinbase card.
  2. Connect your Coinbase cryptocurrency portfolio to your debit card.
  3. Make a purchase or ATM withdrawal, and Coinbase automatically converts your cryptocurrency into US dollars.
  4. Earn up to 4% back in crypto on each purchase.

How do I open a Coinbase debit card?

The Coinbase card isn’t available in the US yet. But you can follow these steps to join the waitlist:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the Coinbase website, select Get Started.
  3. Enter your name, email address and state of residency.
  4. Read and agree to the terms and conditions and choose Create account.
  5. Verify your email address.
  6. Set up two-step verification.
  7. Complete your application and verify your identity.


Apply for a Coinbase Visa card when you meet these requirements:

  • At least 18 years old
  • US resident
  • Social Security number or Tax Identification Number
  • Government-issued photo ID

Required information

Coinbase requests this information when you apply:
  • Full name
  • US residential address
  • Phone number
  • Email address
  • Date of birth
  • Social Security number or Tax Identification Number
  • Government-issued photo ID number
  • Employment status
  • Reasons for using Coinbase

What are the benefits of a Coinbase debit card?

The Coinbase debit card is FDIC insured through MetaBank. It comes with an intuitive mobile app where you can track recent transactions and rewards, manage your cryptocurrency portfolio, plus these features:

  • Crypto rewards program. You earn 4% back in Stellar Lumen or 1% back in Bitcoin on each purchase you make.
  • Crypto-enabled debit card. Spend assets in your Coinbase portfolio anywhere Visa debit cards are accepted. Funds are pulled directly from your Coinbase account, eliminating the need to load funds onto your card first.
  • Supports 30+ cryptocurrencies. The Coinbase card supports more than 30 cryptocurrencies, unlike similar cards that only support one or a few.
  • No annual fee. The Coinbase debit card doesn’t have any annual or signup fees.

What should I look out for?

Coinbase debit card offers some sweet perks for crypto enthusiasts, but watch out for these drawbacks:
  • Must opt in to the rewards program. Coinbase‘s crypto rewards program is technically optional, so you need to opt in to the program once you set up your account.
  • Not available yet. The first round of customers will get their Coinbase cards this winter, but other users may not see their cards until early or mid-2021.

If you’re looking for an account you can open now, explore your options to find the right one for you.

Coinbase‘s ATM network and fees

You can use your Coinbase card to withdraw cash at an ATM, but the company hasn’t specified which network it will use — if any at all. We’ll update this section as soon as we have more information.

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How do I deposit or withdraw my money?

There are several ways you can access funds in your Coinbase card account:


  • Wire transfer
  • ACH transfer
  • Transfer from a connected bank account


  • ATM
  • Wire transfer
  • ACH transfer
  • Transfer to a connected bank account

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