Coinbase Card
by Pathward
The Coinbase Card is a Visa prepaid debit card that allows users to spend crypto and USDC from their Coinbase balances instantly. It offers rotating crypto rewards on purchases and operates without transaction fees for USD/USDC spending. Coinbase distinctly separates its card offerings into two products: The standard 'Coinbase Card' (Visa Prepaid Debit), available to the general user base and the 'Coinbase One Card' (American Express Credit), available exclusively to paid Coinbase One members (starting at $49.99/year).
Unique Features
- Direct spending of any supported asset on Coinbase
- Option to pay with USDC to avoid tax/spread fees while still earning rewards
- Separation of 'Spend' asset and 'Reward' asset
Pros
- Earn up to 4% back in rotating crypto rewards (e.g., XLM)
- No transaction fees for spending USDC or USD
- Instant settlement; funds remain in crypto until purchase (if selected)
- Wide acceptance via Visa, Google and Apple pay
Cons
- Crypto liquidation (spending BTC/ETH) incurs a spread fee
- Reward rates are variable and must be manually selected
- Daily spending limits are relatively low ($2,500) for some users
- ATM withdrawals have a low daily limit ($1,000)
Integrations & Tech
Available In (30)
Not Available In (27)
Fee Structure
Detailed Fee Structure
No transaction fees for USD/USDC. Other crypto incurs spread in exchange rate
Detailed Limits
~$2,500 daily but varies by user history and verification
~$1,000 daily, may vary
Fee Details
No transaction fees for spending USD or USDC. Spending other crypto involves selling the asset, which incurs a spread (liquidation fee) included in the exchange rate. No Coinbase fee for ATM withdrawals, but operator fees apply.
Limits & Conditions
Standard daily spending limit is ~$2,500 but varies by user history. ATM limit is ~$1,000. Higher limits may be requested or granted based on account verification levels.
Crypto Capabilities
Security & Custody
Supported Assets
