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Ranked #22 of 76
Crypto Card Review

Coinbase Card

7.3/10
USACashbackApple PayCustodial
See full breakdown

Overview

The Coinbase Card is a custodial crypto card aimed primarily at users in USA. It runs on the Visa network, so it's accepted anywhere Visa is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #22 of 76 cards, with an overall score of 7.3 out of 10.

★ Coinbase Card referral code
COINBA9949

New users who sign up with this code typically get bonus cashback for your first 30 days. Rewards vary by region and are set by Coinbase Card.

Rating breakdown

How the Coinbase Card scores across the categories we weigh into its overall 7.3/10.

Fees & value7.0
Rewards7.7
Ease of use7.2
Security & custody7.3
Availability6.8

Cashback & rewards

Spending on the Coinbase Card earns cashback, starting around 1% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:

TierRequirementCashbackMonthly cap
StarterNo stake required1%~30 / month
PlusToken stake or paid plan3%~100 / month
PremiumHigher stake / top tier6%Higher or uncapped

Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.

Fees & limits

A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.

FeeTypical amount
Monthly fee$2.50
Card issuance
Card spend (USD)Fee on purchases made in US dollars0%
FX fee (non-USD transactions)Charged when you spend in a currency other than USD0%
ATM withdrawalsN/A (virtual)

How to get the Coinbase Card

  1. Download the Coinbase Card app or open the provider's website.
  2. Create an account and complete KYC with a photo ID and selfie.
  3. Enter referral code COINBA9949 during sign-up to claim any welcome perk.
  4. Top up your account with crypto or fiat, then start using the virtual card.
  5. Add the card to Apple Pay or Google Pay to tap and spend.

Pros & cons

Pros

  • Earns up to 1% cashback on eligible spending
  • Works with Apple Pay and Google Pay
  • Clean mobile app with real-time transaction alerts

Cons

  • Custodial — funds are held by the provider
  • Requires full KYC (government ID + selfie)
  • Virtual-only — no physical card to tap
  • Availability limited mainly to USA

Who it's for

Coinbase Card suits people based in USA who want a straightforward way to spend crypto without managing wallets directly. Be ready to complete standard identity verification during signup.

Frequently asked questions

Does the Coinbase Card offer cashback?
Yes. The Coinbase Card pays cashback starting around 1% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the Coinbase Card available in my country?
The Coinbase Card is primarily available in USA. Check the provider's site for the current list of supported countries.
Does the Coinbase Card require KYC?
Yes. The Coinbase Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Coinbase Card custodial or non-custodial?
The Coinbase Card is custodial, meaning the provider holds your funds on your behalf.
What network does the Coinbase Card run on?
The Coinbase Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.

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