A practical choice for US residents already on Coinbase, since most rivals aren’t offered in the US. Elsewhere, cards with published cashback rates and mobile-wallet support are easier to compare.
Score breakdown
How we read the terms: No monthly or application fee. FX and rewards are not scored: Coinbase says the reward rate varies and is shown in the app, and the only FX figure we found is in a 2021 agreement.
Not rated yet: verified criteria cover 30% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- One of the few crypto cards available in the US (all states except Hawaii)
- No monthly fee and free top-ups from a linked bank account
- Spends straight from your Coinbase balance
- Also offered in the UK and EEA
Cons
- Reward rates are variable and only shown in the app
- Coinbase’s UK/EEA page says Apple Pay and Google Pay are not supported
- A spread applies when crypto is converted at payment
- We couldn’t verify a current FX fee
Overview
In the US the card is issued by Pathward, N.A. and powered by Marqeta; in the UK the issuer is Paysafe Financial Services Limited.
Rewards are paid in a rotating selection of crypto assets you choose in the app. Coinbase doesn’t publish a fixed rate, so we can’t score rewards.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Fees and limits
- Card issuance (UK/EEA)
- No application feesource
- Monthly fee (US)
- $0source
- FX fee (US)
- Not verified
- Top-up (US)
- Free from linked bank account; spread applies when converting cryptosource
- Free ATM per month (UK)
- No Coinbase ATM fee (ATM operator fees may apply); allowance/limits shown in appsource
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
We can’t do the maths yet: the entry-tier cashback or one of the fees is not verified.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Available | “Available for all Coinbase customers who live in the US (excluding Hawaii).”source |
| UK | Available | “Right now, Coinbase Card is available for all Coinbase customers who live in the UK.”source |
| EEA | Available | “Reside in: Austria, Belgium, Bulgaria, Croatia, Cyprus, ... Spain, Sweden, and the UK.”source Based on Coinbase’s EU help article, which may be out of date. |
By country
Other regions listed by the issuer: US (all states except Hawaii), UK, EEA (listed countries per EU help article)source. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Open a Coinbase accountSign up in the Coinbase app.
- 2Verify your identityComplete KYC with an ID document.
- 3Order the cardApply for the card in the app; a virtual card is available while the physical card ships.
- 4Spend your balanceChoose which asset to spend and pay anywhere Visa is accepted.
Coinbase Card: common questions
Is the Coinbase Card a debit card or a prepaid card?
In the US it's a Visa prepaid debit card issued by Pathward, N.A. It draws on your Coinbase balance and converts crypto to US dollars when you pay.source
How do Coinbase Card rewards work?
US cardholders earn rewards in crypto and can pick a different reward asset each month from a rotating selection. The reward rate is variable, so check the app for the current rate. Rewards are available only to US cardholders.source
Is the Coinbase Card available outside the US?
Yes. Coinbase also offers the card in the UK, where Paysafe Financial Services Limited issues it, and lists eligible EEA countries in its EU help article. Crypto rewards are available only to US cardholders, and in the US the card isn't available in Hawaii.source
Is the Coinbase Card available in the US?
Yes. Coinbase lists all US states except Hawaii.
How much cashback does the Coinbase Card pay?
Coinbase says rewards vary and shows the current rates in the app, so there is no fixed published rate.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.