Image: Coinbase
Coinbase Card and Coinbase One Card review: fees, cashback and limits
A USDC debit card in the US and Europe, plus a US credit card with up to 4% back in bitcoin.
Quick answer
Coinbase offers a Visa debit card that spends USDC in the US, the EEA and the UK, with no Coinbase ATM fee, and a US-only Coinbase One Card on American Express that pays 2% to 4% back in bitcoin. The credit card needs a Coinbase One membership (Basic costs $49.99 a year), and the 4% rate depends on how much crypto you hold on Coinbase. Both are custodial.
Coinbase Card at a glance
| Best for | US residents who already use Coinbase and want bitcoin rewards on everyday spending. |
|---|---|
| Skip it if | You live outside the US, EEA and UK, or you don't want to pay for a membership to earn rewards. |
| Network | Visa (debit card). American Express (Coinbase One Card). |
| Card issuer | Pathward (US debit), Paysafe (UK debit), First Electronic Bank (Coinbase One Card) |
| Custody | Custodial (Coinbase holds your balance) |
| Card type | Debit card, plus the Coinbase One credit card in the US |
| Virtual or physical | Virtual and physical |
| Cashback | 2% to 4% in BTC (Coinbase One Card, US) |
| Annual fee | Debit card: no annual fee listed. Coinbase One Card: no card fee, but you need Coinbase One (Basic $49.99 a year or $5 a month, full plan $29.99 a month). |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Debit card in the US and 31 European countries including the UK. Coinbase One Card in the US only. |
Coinbase Card fees
| Card cost | Not publicly listed for the debit card. Coinbase One Card: first replacement waived, then up to $40. |
|---|---|
| Annual or membership fee | Debit card: no annual fee listed. Coinbase One Card: no card fee, but you need Coinbase One (Basic $49.99 a year or $5 a month, full plan $29.99 a month). |
| FX and cross-border | Not publicly disclosed. Check the app for your country. |
| Crypto conversion | Not publicly disclosed |
| ATM withdrawals | Debit card: $0 from Coinbase (ATM operators may charge). Coinbase One Card cash advance: greater of $10 or 5%. |
| Other fees | Coinbase One Card late or returned payment: up to $41 |
| US debit card daily spending limit: up to $2,500 per 24 hours |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Coinbase Card app for your country before you load money. To see what Coinbase Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Coinbase Card
These are Coinbase Card's own fees on the Debit card tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #11 of 20 in United States#16 of 36 in Europe (EEA)#13 of 20 in United Kingdom
Cashback and rewards
- Coinbase One Card: 2% base. 2.5% to 4% on the first $10,000 a month depending on your crypto holdings on Coinbase, then 2%.
- Rewards are paid in bitcoin
- Requires an active Coinbase One membership
- The debit card doesn't list a cashback rate
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Coinbase Card (debit) | No annual fee listed | Not listed | Spends USDC. US, EEA and UK. |
| Coinbase One Card | Coinbase One from $49.99/year | 2% to 4% in BTC | American Express credit card, US only |
Deposits and withdrawals
How to top up
- Spends USDC from your Coinbase account (debit card)
- Buy USDC on Coinbase with a bank transfer or card
- Deposit crypto from any wallet to Coinbase
- Coinbase One Card is a credit card, so you pay the bill instead of topping up
Fees: Coinbase's trading and funding fees apply when you buy crypto. USDC deposits from your own wallet only cost network fees.
How to withdraw
- Cash out to your bank account from Coinbase
- Send crypto to any wallet
- ATM cash withdrawals with the debit card
Fees: Bank withdrawal fees depend on method and country. Network fees apply to crypto withdrawals.
Supported assets: USDC for the debit card. Coinbase One Card rewards depend on crypto held on Coinbase.
Where Coinbase Card works
Debit card in the US and 31 European countries including the UK. Coinbase One Card in the US only.
Not available outside the US, EEA and UK.
Limits and perks
Limits
- US debit card: up to $2,500 spending per 24 hours
- Coinbase One Card: credit limit set at approval. A secured option uses a $200 to $5,000 USDC deposit.
Perks
- Bitcoin rewards on all spending categories with the Coinbase One Card
- Coinbase One benefits such as reduced trading fees (depends on plan)
Pros and cons
What's good
- Backed by a large, publicly listed exchange
- Up to 4% back in bitcoin on the US credit card
- No Coinbase ATM fee on the debit card
- Easy bank funding and cash-out
What's not
- Credit card rewards need a paid Coinbase One membership
- The 4% rate depends on holding a lot of crypto on Coinbase
- FX fees aren't clearly published
- Custodial, and limited to the US and Europe
- Low $2,500 daily limit on the US debit card
Our take on Coinbase Card
Coinbase now has two cards, and they're for different people. The Coinbase Card is a Visa debit card that spends USDC from your Coinbase account in the US and Europe. Coinbase doesn't charge for ATM withdrawals, though the ATM owner might. It's simple, but it doesn't list a cashback rate.
The more interesting one is the Coinbase One Card, an American Express credit card for US residents. It pays 2% back in bitcoin on everything, rising to as much as 4% on your first $10,000 a month if you hold enough crypto on Coinbase. The catch is that you need a Coinbase One membership. The Basic plan costs $49.99 a year, so you'd need about $2,500 a year of spending at 2% just to cover it.
Because it's a credit card, you pay a monthly bill rather than topping up, and missed payments carry fees of up to $41. Cash advances are expensive at the greater of $10 or 5%.
Coinbase doesn't clearly publish FX fees for either card, so check the app before using one abroad. Everything is custodial, which is the trade-off for Coinbase's easy bank funding and support.
The Coinbase One Card is a strong bitcoin rewards card for US Coinbase users who'll spend enough to cover the membership. The debit card is a simple USDC spending option in the US and Europe.
How we scored Coinbase Card: 6.3/10
MethodologyCoinbase Card FAQ
How much bitcoin back does the Coinbase One Card give?
2% on all purchases, rising to 2.5% to 4% on the first $10,000 a month depending on how much crypto you hold on Coinbase.
Do I need Coinbase One for the Coinbase card?
For the Coinbase One Card, yes. Basic membership costs $49.99 a year or $5 a month. The regular Coinbase debit card doesn't need it.
Is the Coinbase Card available outside the US?
The debit card is available in the US and 31 European countries including the UK. The Coinbase One Card is US only.
Does Coinbase charge ATM fees?
Coinbase charges $0 for ATM withdrawals with the debit card, but the ATM operator may add a fee.
Sources
- DefiLlama card details: CoinbaseNetworks, issuers, ATM terms, limits, rewards, verified Sep 28, 2026
- Decrypt: Coinbase One Card opens to all usersMembership pricing, 2% to 4% bitcoin back, Oct 20, 2025
We checked these sources on 15 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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