Coinbase Card review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Coinbase Card suits adults who already hold crypto on Coinbase and want a card that pays bitcoin back on everyday spend. It carries a monthly fee of $0 and an annual fee of $0, with cashback of 2% to 4% on purchases.
Key facts
- Best for
- Spending crypto balances while earning cashback on everyday purchases.
- Monthly fee
- $0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- $0↗
- Card type
- Prepaid↗
- Top-up fee
- free for direct deposit↗
- Card network
- Visa↗
- Custody
- Custodial↗
- Legal entity
- Coinbase Luxembourg S.A.↗
- Headquarters
- Luxembourg↗
- Founded
- 2012↗
- Support channels
- Phone, Email, Help-centre↗
- Features
- Crypto, Custodial, Virtual card
- Official website
- coinbase.com
Credit cards
- Annual fee
- $0↗
- Rewards type
- Cashback↗
- Rewards rate
- 2%, 2.5%, 3% or 4% bitcoin back tiered by assets on Coinbase; 5% back on Coinbase One Card Travel bookings; 2.5-4% tiers capped at a combined $10,000 eligible purchases per calendar month↗
- Perks
- Zero trading fees on first $500/mo in trades (a spread applies), Boosted USDC rewards 4.00% APY on first $10K, then 3.60%, 5% more staking rewards on ETH, SOL and other eligible assets, $120 transaction credits on Base ($10/mo sponsored smart wallet gas), American Express retail protection, extended warranty and return protection, Trip cancellation/interruption, lost or damaged luggage and worldwide car rental loss & damage insurance, Roadside and emergency assistance, Eligibility check with no credit score impact, USDC security deposit option from $100↗
- Cashback rate
- 2% to 4%↗
- Card kind
- Credit↗
- Regulators
- Commission de Surveillance du Secteur Financier (CSSF)↗
- Pricing model
- No annual fee
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXinstagram.com
Pros and cons
Pros
- No annual charge: the annual fee is $0 and the monthly fee is $0
- Cashback of 2% to 4% in bitcoin, tiered by assets held on Coinbase
- Currency conversion fee of 0% on card spend
Cons
- Balances are held in custody, since custody is custodial
- Free ATM withdrawals are $0
Who it suits
- Coinbase account holders who want to spend crypto without converting it first
- Shoppers who want cashback paid in bitcoin rather than points
- People planning travel who want purchase and trip cover on the card
Who should look elsewhere
- Anyone who needs a fee-free ATM allowance, since free withdrawals are $0
- Coinbase users who prefer to hold their own keys, as custody is custodial
- Skrill customers who face a €5 monthly charge instead of $0
Safety of your money
The card sits inside Coinbase Luxembourg S.A., regulated by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg under MiCA CASP 984500F14CA4571AAC11, and an Irish entity listed in Ireland under PSD_EMI IE_CBI!C188493. Custody is custodial, so crypto held on the account is held by the provider rather than in self custody. The card runs on the visa network.
Who runs it
The operator is Coinbase Luxembourg S.A., headquartered in Luxembourg and founded in 2012. It is supervised in Luxembourg by the Commission de Surveillance du Secteur Financier (CSSF) under MiCA CASP 984500F14CA4571AAC11, with an Irish entity registered in Ireland under PSD_EMI IE_CBI!C188493. Support runs on phone, email and help centre.
How Coinbase Card compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.6
9.0 vs 9.2
9.0 vs 8.4
9.0 vs 8.5
9.0 vs 8.8A euro wallet with a €5 monthly fee, so it costs more to hold than this card's $0 and pays no bitcoin cashback of 2% to 4%.
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
Coinbase Card vs CoinJar9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.0- 9.0 vs 8.0
Where Coinbase Card is available
- Licence in United States
- Visa U.S.A. Inc., checked September 26, 2026
- Licence in United States
- Pathward, N.A. (Member FDIC), checked September 26, 2026
- Licence in Luxembourg
- Commission de Surveillance du Secteur Financier (CSSF) (MiCA CASP 984500F14CA4571AAC11), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
- Licence in Ireland
- IE_CBI (PSD_EMI IE_CBI!C188493), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does the Coinbase Card cost to hold?+
The monthly fee is $0 and the annual fee is $0, so the card carries no annual charge. Top-ups are free for direct deposit, which is worth checking against how often you move money onto the card. The card runs on the visa network.
How much cashback does the card pay?+
Cashback is 2% to 4% and the rewards type is cashback, paid in bitcoin. The rate is tiered by the assets held on Coinbase, so holding more raises the back you earn. Travel bookings carry a higher back than ordinary spend.
Are there fees when I spend in another currency?+
The currency conversion fee is 0%, so converting at the point of sale costs little or nothing extra. The card's perks, Zero trading fees on first $500/mo in trades (a spread applies), Boosted USDC rewards 4.00% APY on first $10K, then 3.60% and 5% more staking rewards on ETH, SOL and other eligible assets, also cut trading fees on the first part of each month's trades, though a spread applies.
Is my crypto safe with the Coinbase Card?+
Custody is custodial, which means Coinbase holds the crypto rather than you holding it yourself. The Luxembourg entity, Coinbase Luxembourg S.A., is regulated by the Commission de Surveillance du Secteur Financier (CSSF) under MiCA CASP 984500F14CA4571AAC11. An Irish entity is also registered in Ireland under PSD_EMI IE_CBI!C188493.
What kind of card is it?+
It is listed as a credit card and also as prepaid, and it runs on the visa network. A virtual card is among its features, so online payments can be made from a card number generated in the app.
Can I withdraw cash from an ATM?+
Free ATM withdrawals are $0, so cash machine use is not covered by a free allowance. Plan to pay card or use your own funds elsewhere for everyday spending rather than relying on cash machines.
Who is the Coinbase Card aimed at?+
It is built for people who already keep assets on Coinbase, since the rewards rate is tiered by the assets you hold. The exchange side lists 405 coins and runs as a cex exchange, with derivatives available.
What help is available if something goes wrong?+
Support runs on phone, email and help centre, so you can reach the team by phone, by email or through the help centre. An eligibility check is available with no credit score impact, and a USDC security deposit option starts from the stated minimum.
Sources
- coingecko.com/en/exchanges/gdax checked September 26, 2026
Backs: Coins listed, Founded, Coins supported
“id=gdax; coins=405; pairs=514”
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Licences
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Regulators
“ae_homeMemberState=LU”
- help.coinbase.com/en/coinbase/trading-and-funding/coinbas... checked September 26, 2026
Backs: Free ATM withdrawals
“You can withdraw cash from ATMs using your Coinbase Card with no fees from Coinbase; however, the ATM may charge a fee.”
- coinbase.com checked September 26, 2026
Backs: Derivatives, Exchange type
“Amplify your trades with futures and perpetual-style futures”
- coinbase.com/card checked September 26, 2026
Backs: Card type, Custody, Features, Top-up fee, Monthly fee, Card network, Support channels
“The Coinbase Card: The Visa prepaid debit card that turns your everyday purchases into crypto rewards”
- coinbase.com/creditcard checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type
“No annual fee with Coinbase One - This credit card is exclusively available to Coinbase One members at no added charge. Annual membership starts at $49.99 per year.”
- coinbase.com/wallet checked September 26, 2026
Backs: Wallet type
“All in one self-custodial wallet.”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.