Crypto card review
Coinbase Card review: fees, limits and KYC
Coinbase Card is a physical and virtual card on the visa network. It has no annual fee. It pays 0.5-4% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region.
VisaVirtualPhysicalKYC required
Crypto card fees on Coinbase Card, and what it offers
Three fields decide what Coinbase Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of 2.49%. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Coinbase Card publishes an ATM limit of $1,000, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa | Virtual, Physical | Required | Free | Free | 2.49% | 0.5-4% | $1,000 · daily | Apple Pay, Google Pay | Yes |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Coinbase Card is available
The provider lists US, UK, EU, Iceland as supported, and excludes Afghanistan, Albania, Belarus, Central African Republic, China, Cuba, Democratic Republic of the Congo, Ethiopia and 19 more. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Coinbase Card
The provider supports these assets directly on the card: BTC, ETH, USDT, USDC, DOGE, DAI, XLM, LINK, UNI, AAVE. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
Cashback and rewards are paid in BTC, ETH, XLM, MATIC, USDC, Other rotating assets.
The trade-offs on Coinbase Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- 0.5-4% cashback on spending
- Apple Pay and Google Pay supported
What costs you
- 2.49% top-up fee
- Identity verification required
What people say about Coinbase Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Coinbase Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
Not a good service. I made a bank transfer to Coinbase two days ago. The money has left my bank account, but the transaction is…
Steve Fay, trustpilot.com, rated 1/5
Best crypto app there is
Krzysztof Szurko, trustpilot.com, rated 5/5
Captcha puzzle is impossible to solve and I can't access my account
Marian, trustpilot.com, rated 1/5
I felt I needed to modify my review. I experienced a very disappointing series of transaction declines over the weekend. My accounts were verified, my…
Eric, trustpilot.com, rated 5/5
Very disappointing that when making coinbase deposits it freezes your entire balance from making external transactions. Be warned, if you want to make external transfers…
Jeff, trustpilot.com, rated 1/5
Good experience
Vladimir Seko, trustpilot.com, rated 5/5
The fastest, honest and easiest app to use ♥️♥️♥️♥️👌👌👌🥰🥰🥰🥰🥰
Maria☺️, trustpilot.com, rated 5/5
Scammers dont use them
Heather Delaporte, trustpilot.com, rated 3/5
Parfait simple, voir très simple
FBE, trustpilot.com, rated 5/5
I have previously been very happy with Coinbase Advanced, which is why my recent experience has been so disappointing.First, I had a prolonged issue with…
Charlotte Gentry Petersens, trustpilot.com, rated 1/5
Cards to compare Coinbase Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Coinbase Card in context
Cashback 0.5-4%, top-up 2.49%, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.