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PREPAID · VISANo annual fee

Coinbase Card

by Pathward · EU (Austria, Belgium, Bulgaria, Croatia, Cyprus…

Visa prepaid debit card spending crypto and USDC directly from Coinbase balances. Rotating monthly crypto rewards up to 4%. Zero fees for USD/USDC spending. Users choose their reward asset and spend asset independently each month.

Referral link, see our affiliate disclosure
PREPAIDCoinbase Card logo
COINBASE CARD
Visa
MAX REWARD
Up to 4%
ANNUAL FEE
Free
FX FEE
0% (USD/USDC spending)
KEY FACTS

The card at a glance

CARD TYPE
Prepaid
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
Up to 4%
Rotating monthly reward asset — choose in app each month
REWARDS IN
BTC, ETH, XLM, MATIC, USDC (rotating monthly)
How rewards are paid
FX FEE
0% (USD/USDC spending)
On foreign-currency spend
REGION
EU (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden), UK, US (select states)
Where it's available
STAKING
Not required
Lock-up to earn rewards
REWARDS

Earning Up to 4%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to Up to 4%, rotating monthly reward asset — choose in app each month, paid in BTC, ETH, XLM, MATIC, USDC (rotating monthly). No staking required for the base rate.

COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0% (USD/USDC spending)
ATM withdrawal
Cash withdrawal cost
No Coinbase fee; ATM operator fees apply
Crypto conversion
When spending crypto directly
2.49% spread on crypto assets
Issuance fee
One-off cost to get the card
Free

ℹ️ Rotating monthly reward asset — choose in app each month

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF
✓Up to 4% back in rotating crypto rewards
✓No fees for USDC or USD spending
✓Apple Pay and Google Pay supported
✓Instant settlement
✓Available in 30+ countries
LOOK ELSEWHERE IF
!2.49% spread when spending BTC/ETH
!Reward rates variable and must be manually selected
!$2,500 daily spending limit
!$1,000 ATM daily limit
!Excluded from many countries
STANDOUT FEATURES

What sets it apart

✦Choose spend asset and reward asset independently
✦Spend USDC to avoid spread while still earning rewards
✦Rotating reward rates — change monthly
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the Coinbase Card?
+
Does the Coinbase Card have an annual fee?
+
Do I need to stake anything to earn rewards?
+
How much can I earn with the Coinbase Card?
+
Does it work with Apple Pay and Google Pay?
+

Figures on this page come from Pathward's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.

PATHWARD
Up to 4%
No annual fee · 0% (USD/USDC spending) FX
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REGIONS
EUUnited StatesUKBrazilSwitzerlandMexicoArgentinaAustralia

1 Reward rates are the issuer's published maximum. Reaching them can require a staking tier, a spending category or a monthly cap.

2 FX and ATM fees are taken from each issuer's fee schedule and re-checked weekly. Regional variants may differ.

3 Some issuers pay us a referral fee. It never changes the ranking. Read our methodology.

© 2026 Cryptocards.oneTermsPrivacyAffiliate disclosure
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Not financial advice. Crypto involves risk, including loss of capital. Terms vary by region, verify with each issuer.