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Coinbase debit card review

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

Coinbase is a debit card that lets you spend cryptocurrency anywhere Visa is accepted and rewards you with up to 4% back in digital currency. But you may have to wait months for your card to arrive.


Supported cryptocurrencies166

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How does the Coinbase card work?

The Coinbase debit card allows you to make online or offline purchases anywhere Visa is accepted. You can also use the card to withdraw funds from any ATM with a Visa logo. Start using the card in these steps:

  1. Sign up for a Coinbase card.
  2. Connect your Coinbase cryptocurrency portfolio to your debit card.
  3. Select the cryptocurrency you wish to use as your default payment method. You can change this at any time.
  4. Make a purchase or ATM withdrawal, and Coinbase automatically converts your cryptocurrency into US dollars. There’s no fee if you pay with USDC, but otherwise you’ll pay a 2.49% fee with every purchase.
  5. Earn up to 4% back in the supported crypto of your choice.

How do I open a Coinbase debit card?

According to the company’s website, the Coinbase card “Coming soon,” but many customers already have their cards. According to threads on Reddit, some customers in the US received their cards many months ago while others have been waiting several months for their cards to arrive.

To apply for a Coinbase card, you must first open a free Coinbase account by following these steps.

  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.


Residents of all states except Hawaii can apply for a Coinbase Visa card by meeting these requirements:

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

Required information

Prepare to provide the following information when applying for a Coinbase Card.

  • 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
  • W-2 tax form
  • Reasons for using Coinbase

4 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:

  1. Crypto rewards program. Choose to earn 4% back in Amp, Stellar Lumens, The Graph or Relay tokens, or opt for 1% back in Bitcoin, Ethereum, DAI or Dogecoin on each purchase you make.
  2. 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.
  3. Supports 100+ cryptocurrencies. The Coinbase card supports more than 100 cryptocurrencies, unlike similar cards that only support a few.
  4. No annual fee. The Coinbase debit card doesn’t have any annual or signup fees.

4 drawbacks to consider

Like other crypto debit cards, purchases made with your Coinbase debit card will result in a capital gain or loss, which is a taxable event. Other things to watch out for are:

  1. 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.
  2. Slow rollout. Some customers have already received their Coinbase cards, but other users have been waiting for their cards for more than four months.
  3. Conversion fee. You’ll pay a 2.49% conversion fee every time you pay for a purchase with crypto.
  4. Can’t make P2P payments. You can add your Coinbase Card to digital wallets such as Apple Pay and Google Pay, but it won’t work with peer-to-peer payment platforms such as PayPal, Venmo and Cash App.

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

Is the Coinbase debit card safe to use?

The Coinbase Card is issued by MetaBank, which is FDIC insured for up to $250,000. But FDIC insurance only applies to fiat currency, so your cryptocurrency isn’t backed by the federal government.

For account security, Coinbase uses AES-256 encryption and multifactor authentication to protect access to your funds. Coinbase also has crime insurance, which may protect a portion of your digital assets against losses from theft and cybersecurity breaches. But the policy doesn’t cover losses that occur due to unauthorized access to your Coinbase account. So make sure you have a strong password and maintain control of your login credentials.

Coinbase has been in the news for security issues in the past. In 2016 and 2018, a technical issue overcharged some customers and drained accounts which caused overdraft fees with their linked bank accounts. In March-May 2021, more than 6,000 Coinbase customers had assets taken from their accounts due to a security breach. Coinbase suspects a phishing scam was the source of the breach.

Coinbase‘s ATM network and fees

You can use your Coinbase card to withdraw cash at any ATM that accepts Visa card. You’ll pay a 2.49% fee if your preferred currency is anything other than USDC. Also, you won’t earn rewards for ATM withdrawals.

Fees and exchange rates

Coinbase doesn’t charge fees except for a 2.49% fee when it converts your cryptocurrency to USD. This fee applies to purchases and ATM withdrawals. You can avoid it by choosing to pay with the USDC stablecoin, but you must first have USDC in your Coinbase account. If you pay with any other form of crypto, you’ll pay the 2.49% fee.

Compare the Coinbase Card with other cryptocurrency debit cards

See how the Coinbase Card compares to other cryptocurrency debit cards based on the fees and features.

1 - 3 of 3
Name Product Rewards Staking requirement Supported cryptocurrencies
Finder Rating: 4.5 / 5: ★★★★★
Revolut is a global fintech that offers FDIC-insured deposit accounts, 10 free international transfers a month and, on its Premium plan, commission-free crypto trades up to $200,000 per month. Crypto deposits aren't FDIC insured.
Not rated yet
Up to 8%
The Wirex debit card lets you spend dollars or crypto in stores and online while earning up to 8% back. It is not available in NY and Hawaii. Visa Card
Up to 5%
Up to 400,000
250+ cryptocurrencies
Fund your card with fiat currency or crypto, and earn up to 5% back with each purchase. Plus, get rebates on qualifying subscriptions such as Spotify and Netflix. Not available in New York. Only US dollars in your account and on your card are protected by the FDIC.

Compare up to 4 providers

What cryptocurrencies can I use with the Coinbase Card?

Coinbase supports more than 140 types of cryptocurrencies, all of which you can spend using your Coinbase Card. But you can’t buy all of these cryptocurrencies on Coinbase‘s exchange. You may need to purchase some of them on another exchange and then transfer them into your Coinbase account to start spending them with your card.

Also, Coinbase only issues rewards in specific coins. You can earn 1% back in Bitcoin, Ethereum, DAI or Dogecoin, or you can earn 4% back in Amp, Stellar Lumens, The Graph or Relay tokens.

0x (ZRX)Dogecoin (DOGE)PlayDapp (PLA)
1inch (1INCH)Enjin Coin (ENJ)Polkadot (DOT)
Aave (AAVE)Enzyme (MLN)Polkastarter (POLS)
Alchemix (ALCX)EOS (EOS)Polygon (MATIC)
Alchemy Pay (ACH)Ethereum (ETH)Polymath (POLY)
Adventure Gold (AGLD)Ethereum Classic (ETC)Powerledger (POWR)
Algorand (ALGO)Ethereum Name Service (ENS)Quant (QNT)
Amp (AMP) (FET)QuickSwap (QUICK)
Ampleforth (FORTH)Filecoin (FIL)Radicle (RAD)
Ankr (ANKR)Function X (FX)Rai Reflex Index (RAI)
API3 (API3)Gala (GALA)Rally (RLY)
ARPA Chain (ARPA)Gitcoin (GTC)Rari Governance Token (RGT)
Assemble Protocol (ASM)Gods Unchained (GODS)Rarible (RARI)
Augur (REP)Golem (GNT)Ren (REN)
Avalanche (AVAX)GYEN (GYEN)Request (REQ)
Axie Infinity (AXS)Harvest Finance (FARM)Ribbon Finance (RBN)
Badger DAO (BADGER)Horizen (ZEN)Shapeshift FOX Token (FOX)
Balancer (BAL)IDEX (IDEX)Shiba Inu (SHIB)
Bancor (BNT)iExec RLC (RLC)SKALE (SKL)
Band (BAND)Immutable X (IMX)Solana (SOL)
Basic Attention Token (BAT)Internet Computer (ICP)Spell Token (SPELL)
Biconomy (BICO)IoTeX (IOTX)Stellar Lumens (XLM)
Bitcoin (BTC)Jasmy (JASMY)Storj (STORJ)
Bitcoin Cash (BCH)Keep Network (KEEP)Suku (SUKU)
Bluzelle (BLZ)Kryll (KRL)SuperFarm (SUPER)
Bounce Token (AUCTION)Kyber Network (KNC)SUSHI (SUSHI)
Braintrust (BTRST)LCX (LCX)Synthetix (SNX)
Cardano (ADA)Litecoin (LTC)tBTC (tBTC)
Cartesi (CTSI)Livepeer (LPT)Tellor (TRB)
Celo (CELO)Loom Network (LOOM)TerraUSD (UST)
Chainlink (LINK)Loopring (LRC)Tether (USDT)
Chiliz (CHZ)Maker (MKR)Tezos (XTZ)
Civic (CVC)Mask Network (MASK)The Graph (GRT)
Clover Finance (CLV)Measurable Data Token (MDT)Tribe (TRIBE)
Compound (COMP)Mirror Protocol (MIR)TrueFi (TRU)
Cosmos (ATOM)Moss Carbon Credit (MCO2)Universal Market Access (UMA)
COTI (COTI)mStableUSD (MUSD)Uniswap (UNI)
Circuits of Value (COVAL)NKN (NKN)USD Coin (USDC) Chain (CRO)NuCypher (NU)Voyager Token (VGX)
Curve DAO Token (CRV)Numeraire (NMR)Wrapped Bitcoin (WBTC)
Dai (DAI)OMG Network (OMG)Wrapped Centrifuge (WCFG)
Dash (DASH)Orchid (OXT)Wrapped LUNA (WLUNA)
Decentraland (MANA)Origin Protocol (OGN)XYO (XYO)
Decentralized Social (DESO)OriginTrail (TRAC)Yearn Finance (YFI)
DerivaDAO (DDX)Orion Protocol (ORN)Zcash (ZEC)
DFI.Money (YFII)Paxos Standard (PAX)
District0x (DNT)Perpetual Protocol (PERP)

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

How does the Coinbase Card compare to a traditional debit card?

Similar to traditional debit cards, you can use your Coinbase card anywhere Visa is accepted and you can use the card to withdraw cash from ATMs.

But unlike traditional debit cards, the Coinbase Card lets you spend with crypto and you earn crypto rewards with each purchase. And if you only ever pay with USDC, you won’t pay any fees. Coinbase also lets you determine which form of crypto you want to receive as a reward. Standard cashback debit cards only reward you in US dollars. Also, you can’t use your Coinbase Card with peer-to-peer payment apps, such as Cash App and Venmo.

How to contact Coinbase

Contact Coinbase in five ways.

  • Call support at 1-888-908-7930.
  • Fill out the contact form on Coinbase‘s website.
  • Email
  • Send a tweet to @coinbasesupport.
  • Chat with a support specialist via Coinbase‘s website and app, but response times vary.

Frequently asked questions

  • How long will it take to get my Coinbase card in the mail?
    Once your card ships, it should arrive at your door within five to seven business days.
  • Can I use contactless payments with my Coinbase card?
    Yes. But as a security measure, you’ll need to make a chip and PIN transaction the first time you connect your card to your mobile wallet.
Disclosure: The writer owns a range of cryptocurrency that includes USDC and BTC.

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

The Coinbase Visa card is best for those who have a basic understanding of cryptocurrency, as it allows you to start spending your crypto. Fortunately, Coinbase offers various educational resources to help beginners understand how crypto works, and it rewards you with free crypto for taking quick quizzes about various coins and protocols.

The card is also best for cryptocurrency enthusiasts who want to earn Stellar Lumens (XLM) or Bitcoin (BTC) 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.

Coinbase‘s website says the card is “Coming soon,” yet many US customers have already received theirs. However, according to recent posts on Reddit, some Coinbase customers have been waiting more than four months for their cards to arrive.

Apply for a Coinbase card today, or explore other crypto debit cards, like the Card, which earns up to 8% back in digital currency.

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