Ledger
Coinbase Card
May 8, 2026New cardCoinbase officially launches Coinbase One Card in the USIn May 2026, Coinbase officially launched the Coinbase One Card in the U.S. — an Amex-network credit card offering 2-4% Bitcoin cashback for Coinbase One members, with no added card fee on the Basic annual plan.coinbase.com April 27, 2026New cardCoinbase One Card launches on American Express networkThe Coinbase One Card debuted on the American Express network on April 27, 2026 — exclusive to Coinbase One members, offering up to 4% Bitcoin back on every purchase. Issued by First Electronic Bank and offered by Coinbase and Cardless.americanexpress.com April 1, 2026VerifiedCoinbase receives conditional OCC approvalOn April 1, 2026, Coinbase received conditional OCC approval — a significant US-regulatory milestone that underpins the Coinbase One Card programme on the American Express network and expands the company's banking-adjacent product roadmap.coinbase.com
Coinbase CardCoinbase Card
VisaVirtual and plasticSince 2020Asks for everythingOperational
Visa debit issued by a regulated US bank (Pathward) — spend crypto directly from Coinbase balance and earn up to 4% back in rotating crypto rewards. Zero spending fees on USDC and USD.
Total, per $100 spent: $2.49per $100 spent
117 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 2 times that for the same loss of privacy.
Open coinbase.comNot a paid link: we earn nothing either way.
Whether to take Coinbase Card
In its favour
- No annual fee, no monthly fee, and no foreign transaction fee on Coinbase's side
- No fees when spending USD or USDC balances
- Earn crypto rewards (1% back in BTC/ETH/DOGE or 4% back in selected assets like XLM/GRT/AMP/RLY)
- Visa debit accepted at 40M+ merchants worldwide
Against it
- US program limited to US residents (excluding Hawaii); separate Paysafe-issued EU/UK program does NOT support Apple Pay/Google Pay
- 2.49% conversion fee when spending non-USDC crypto (BTC, ETH, etc.)
- Spread embedded in Coinbase's crypto buy/sell quotes
- Daily spend cap $2,500 and ATM cap $1,000/24h may be limiting
Also true, in its favour
- Apple Pay and Google Pay supported in the US, plus contactless physical card
- Instant virtual card available in the Coinbase app
- ATM withdrawals free from Coinbase up to $1,000/24h
- Issued by Pathward, N.A. — FDIC-member US bank
What Coinbase Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 2.49% |
| Per payment, fixed | $0.00 |
| To spend outside the dollar | 0% |
| At a cash machine | Free from Coinbase; ATM operator fees may apply |
| Total, per $100 spent | $2.49 |
Read off coinbase.com on July 21, 2026.
No annual or monthly fee; no foreign transaction fee from Coinbase; no fee on USD/USDC. Spending other crypto (BTC, ETH, etc.) triggers 2.49% liquidation fee plus embedded spread. ATM free from Coinbase, but third-party ATM operators may charge.
KYC: what Coinbase Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Daily spend$2,500
Maximum balance$25,000
Cash, per day$1,000
Not published by the issuer: monthly spend, per payment.
Confirmed on coinbase.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in11BTC, ETH, USDC, LTC, DOGE, BCH, XLM, DAI, GRT, AMP, RLY
Chains5Bitcoin, Ethereum, Litecoin, Dogecoin, Stellar
Closed to residents of 11 countries, according to the issuer's own terms.
- Belarus
- China
- Cuba
- Iran
- Iraq
- Myanmar
- North Korea
- Russia
- Sudan
- Syria
- Venezuela
The other flaws
- Full Coinbase KYC required (ID + selfie + address) — not privacy-friendly
- Card balance capped at $25,000
- ATM operator surcharges still apply
- Separate product alert: Coinbase also runs the 'Coinbase One Card' — a credit card on the American Express network (issued by First Electronic Bank via Cardless), 2%-4% Bitcoin back, requires a paid Coinbase One subscription. It is NOT the Visa debit card described in this listing.
What has changed
3 recorded changes, the most recent on May 8, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service, and on this record all thirteen carry a figure read off coinbase.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Maximum balance · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open coinbase.comNot a paid link: we earn nothing either way.
Alternatives to Coinbase Card
Costs $0.01 more per $100 — the price of the difference.
KASTKASTVisaVirtual and plasticAsks for everythingOperationalFree to load. 2% outside the dollar, plus $0.50 fixed.AG21 Jul$2.50per $100 spent
KASTKASTVisaVirtual and plasticAsks for everythingOperationalFree to load. 2% outside the dollar, plus $0.50 fixed.AG21 Jul$2.50per $100 spentCosts $2.56 more per $100 — the price of the difference.
Zypto PremiumZypto PremiumVisaVirtual and plasticAsks for everythingOperational3% when you load, 1.75% outside the dollar and $0.30 fixed.AG9 Sept$5.05per $100 spent
Zypto PremiumZypto PremiumVisaVirtual and plasticAsks for everythingOperational3% when you load, 1.75% outside the dollar and $0.30 fixed.AG9 Sept$5.05per $100 spent