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Coinbase / Card review
Crypto payment card
Coinbase Card
US Visa prepaid debit card funded by cash or crypto held at Coinbase.
- Rewards · first band
- Check in the app / application
- Foreign-currency fee
- 0% · network exchange rate
- Card issuance fee
- No application fee
- Maintenance / subscription
- 0 USD annual fee
Your selected card: before you apply.
Selected tier / planUS prepaid debitCoinbase Card
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- No application fee
Maintenance / subscription: 0 USD annual fee
Items to verify and where to check · 1
- Rewards · first bandCheck in the app / applicationUS debit reward rate is explicitly variable; Coinbase directs users to the app for the current rate.
Fields reviewed · 2026-09-09
Steps on the official site or app
- For debit, open Card, complete address and identity checks, accept disclosures, and choose a reward asset.
- Fund via Card → Add Funds; activate the delivered physical card with its number and CVV.
- US debit supports Apple Wallet and Google Pay; a PIN may be required.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Why choose this card
Spend US Coinbase balances without a credit application.
A good fit if
For US residents outside Hawaii who want debit spending from USD, USDC or supported crypto.
The tradeoff
Reward rates rotate; crypto-funded purchases carry a conversion spread.
For paid One members seeking Bitcoin rewards through separately approved credit.
Check regional termsView cards & plans2
Fees & rewards
US prepaid debit
- Rewards · first band
- Check in the app / application
- Foreign-currency fee
- 0% · network exchange rate
- Card issuance fee
- No application fee
- Maintenance / subscription
- 0 USD annual fee
Read the conditions behind the figures
Reward assets and rates rotate in app. Coinbase charges no spending fee; crypto conversion spread applies.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend funded balance · USD / USDC / supported Coinbase cryptocurrencies
Fund via Card → Add Funds; activate the delivered physical card with its number and CVV.
Before you apply
Check regional termsA listed country does not guarantee personal approval. Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
US Coinbase debit card only, excluding Hawaii.
- Cancellations, refunds and support
- Ask the merchant to refund the original card and retain the receipt/ARN. Refunds to a replaced card usually route to its replacement.
- How long does it take?
- Many refunds post within 5–10 business days, depending on merchant/network. Request tracing with the receipt after the quoted window.
- Where is it returned?
- US terms return purchase refunds to the USD Wallet in fiat. Hold releases are separate and may use the selected spending asset and exchange rate at release.
- Cancellation and subscriptions
- Report loss/theft through Card → Coinbase Card support to deactivate and replace the card. Card → Lock card is temporary; ask card support about permanent closure.
- Declined or unfamiliar transactions
- Check available funds, holds, lock status and the in-app decline reason. A visible deposit may remain unavailable for spending; check limits through Card → Support.
- What to prepare for support
- US debit support: 1-844-208-5005 or card@coinbase.com. Provide merchant, date, amount and refund evidence.
Coinbase US user agreement — debit and credit terms ↗
Coinbase debit security and replacement ↗
Coinbase US debit funding, limits and issuer ↗
2026.09.08 · Based on official documentation · not a firsthand payment test
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- USD · USDC · supported Coinbase cryptocurrencies
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Brand and custody
- Card issuer / operator
- Pathward, N.A.
- Custody of funded balances
- Coinbase account
US debit provides two-factor authentication, card freezing and PIN changes.
Official sources
Card official page ↗Official terms · 2026-09-08 ↗
Official terms · 2026-09-08 ↗
Coinbase Card Terms — official currently linked Pathward agreements ↗
Coinbase US Pathward Cardholder Agreement and Long Form fees — October 14, 2024 ↗
Coinbase debit card fees and taxes ↗
Coinbase Card debit overview ↗
Official information · Coinbase Card ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026