The Coinbase Card lets you spend the crypto in your Coinbase account — in stores, online, and at ATMs — and earn up to 4% back in crypto rewards on every purchase.
Earn Stellar Lumens on every purchase when you use XLM as your reward asset
Earn Bitcoin rewards on all eligible transactions
Earn Ethereum rewards on every qualifying spend
Reward percentages and available assets may change. See current rates in the app. Rewards earned in crypto, not USD.
Follow these steps in the Coinbase app — takes about 3 minutes
Before you can apply, your Coinbase account must pass identity verification. This is required by federal law and takes 2–5 minutes.
Takes 2–5 minutes · No credit check · 100% secure
Tap the Card tab at the bottom of the Coinbase app. It looks like a credit card icon in the navigation bar.
Update your Coinbase app to the latest version. Go to the App Store or Google Play and tap Update.
Search "Coinbase" on the App Store or Google Play. The publisher must be Coinbase, Inc. Fake apps can steal your funds.
Pick which crypto you want to earn back on every purchase. You can change this anytime — for free — directly in the app.
Confirm your personal information and shipping address. Most applications are reviewed instantly.
Your physical card ships via USPS and arrives in 7–10 business days. While you wait, your virtual card is ready to use immediately.
Use your Coinbase Card anywhere Visa is accepted. Your crypto is automatically sold at purchase time and rewards are deposited each period.
Once approved, you get access to a virtual card instantly — use it for online purchases, Apple Pay, and Google Pay while your physical card ships.
| Card Type | Visa® Debit Card (physical + virtual) |
| Annual Fee | $0 — No fees, ever |
| Rewards | Up to 4% back in crypto |
| ATM Withdrawals | Up to $1,000 per day (fees may apply at ATM) |
| Daily Spending Limit | Up to $10,000 per day |
| Accepted | Everywhere Visa is accepted in the US |
| Supported Assets | BTC, ETH, USDC, and more |
| Contactless / NFC | Yes — Apple Pay & Google Pay |
| Issuing Bank | Pathward, N.A., Member FDIC |
| Availability | US residents only (most states) |
Everything you need to know about the Coinbase Card
Yes — completely free. There are no application fees, no annual fees, no monthly fees, and no foreign transaction fees. Some third-party ATM operators charge their own withdrawal fees, but Coinbase does not add any fee on top of those.
You must be:
Most applications are reviewed instantly. In some cases, additional review may take up to 3–5 business days. You'll receive a notification in the app when a decision is made.
Once approved, your virtual card is available immediately while your physical card ships in 7–10 business days.
No. The Coinbase Card is a debit card linked to your Coinbase account balance — not a line of credit. No credit check is run, and your credit score is not impacted in any way.
Every time you make an eligible purchase with your Coinbase Card, you earn a percentage of that purchase back as crypto. The reward is calculated based on the USD amount spent and credited as crypto at the market rate at time of reward issuance.
Rewards are typically deposited to your Coinbase account within a few days after each eligible purchase. You can view your reward history under Card → Rewards in the app.
Yes — and it's free. Go to Card → Rewards → Change reward in the app. Changes take effect on your next eligible purchase. There's no limit to how often you can change it.
The following transactions typically do not earn rewards:
At the moment of purchase, Coinbase automatically sells crypto from your selected spending wallet at the current market rate and pays the merchant in USD. You never need to manually convert before spending.
Limits are subject to change. Your available balance also acts as a limit — you can only spend what's in your account.
You can set any supported crypto in your Coinbase account as your spending asset. Commonly used assets include:
USDC is a popular choice since it's a stablecoin pegged to USD, reducing the impact of price swings at time of purchase.
Open the Coinbase app → tap Card → tap Freeze card. Your card is locked instantly — no purchases can be made while frozen. Tap Unfreeze to restore it at any time.
Go to Card → Card settings → Close card in the app. This permanently cancels your card. You can reapply in the future if you change your mind.
Yes. Add your Coinbase Card to Apple Wallet or Google Wallet through the app. Once added, you can tap to pay at any contactless terminal and use it for in-app purchases.
To add: Card → Virtual card → Add to Apple/Google Wallet
No. Coinbase support will never ask for your:
Scammers impersonate Coinbase support and claim you need to pay a "processing fee," "tax," or "activation fee" to get your card. These are fraudulent. Report the interaction to:
Your Coinbase Card includes multiple fraud protections:
Yes. In the United States, using the Coinbase Card to make a purchase triggers a crypto-to-USD conversion, which is a taxable event under IRS guidance. This means:
Generally, yes. The IRS treats crypto rewards received as taxable income at the fair market value on the date received. When you later sell the reward crypto, capital gains rules apply.
Coinbase provides a tax report in your account under Taxes → Documents to help you track your activity.
Go to coinbase.com → Taxes → Documents or in the app under Profile → Taxes. You can download transaction history as a CSV file and access your annual gain/loss reports.
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