Does Coinbase have a debit card?

Yes, Coinbase has a debit card, called the Coinbase Card. It is a Visa debit card tied to your Coinbase account, so you can spend dollars or crypto anywhere Visa debit is accepted, apart from some restricted merchant types. It is separate from Coinbase's credit card, the Coinbase One Card. How crypto cards work in general is covered in how do crypto cards work.

How does the Coinbase debit card work?

The card draws on your available crypto or USD balance in your Coinbase account, according to Coinbase's help center. When you pay with crypto, Coinbase converts it to US dollars for the purchase or ATM withdrawal, so the merchant gets dollars. You can top up the card's balance from a linked bank account, PayPal, Cash App, Venmo, Revolut, Apple Pay or Google Pay. Balances in a Coinbase Vault, Coinbase Wallet, Prime or Commerce cannot fund spending.

To apply, you sign in, choose Card and follow the prompts, which include verifying your address, accepting the terms and choosing a rewards currency. Coinbase may ask for your Social Security number and other documents, as explained in why does Coinbase ask for your SSN and ID. A virtual card works right after signup, and a physical card ordered in the app usually arrives in two to three weeks.

What are the Coinbase Card rewards?

You earn crypto on purchases at a variable rate, shown in the app rather than fixed on the help page. You pick a reward each month, and if an offer expires without a new choice, Coinbase picks one for you. Rewards you have already earned do not expire, but the offers do. Rewards are optional and only for US cardholders. When Coinbase refreshed the card in April 2022 it advertised up to 4% back, with options that can vary, but current rates should be checked in the app.

What are the Coinbase Card fees?

Coinbase says it charges no transaction fee for spending dollars, USDC or supported crypto with the card. However, a spread is built into the price whenever Coinbase buys, sells or converts crypto, so spending crypto is not free of cost. Coinbase does not charge for ATM withdrawals, but the ATM operator may, and spending and ATM limits apply. Full fees are in the Cardholder Agreement. Spread costs are explained in what is a bid-ask spread in crypto.

There is a tax angle in the US too. Coinbase notes the IRS treats crypto as property, so spending crypto that has changed in value is a taxable sale, while spending USDC that stays at par should not create a gain or loss.

Where is the Coinbase Card available?

As of November 2026, Coinbase's US help pages say you must live in the US, excluding Hawaii, and have a verified Coinbase account. There is no application fee or credit check. The help pages we reviewed describe only the US card, so availability elsewhere is best checked in the Coinbase app for your country.

Rules and product terms change often. Check Coinbase's help center or the card agreement for your own situation.