US debit
Debit · VisaUS excluding Hawaii
United StatesResidence supported; identity requirements apply
Application guideFees and rewards
- Issuance
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$0 issuance and replacement
- Ongoing fees
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$0 monthly fee
Sources · 1
assets.ctfassets.net - Foreign currency
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No separate foreign transaction fee; crypto conversion includes a spread
Foreign merchant currency uses the network rate; zero card fees do not mean zero exchange costs
- Rewards & conditions
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Rate follows the current selectable in-app offer
Offers have expiration dates and can be changed; earned rewards do not expire with the offer. An offer may be auto-selected; there is no guaranteed fixed rate.
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help.coinbase.com - Funding / conversion
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Coinbase balance funding $0
Coinbase account deposits or asset purchases have separate route costs; bank-funded balances may still be on hold.
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assets.ctfassets.net - ATM withdrawals
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Yes： Yes No Coinbase ATM withdrawal fee
ATM operator charges may apply; spending crypto still involves a conversion spread
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help.coinbase.com
Spending and limits
- Card format
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Virtual access + mailed physical card; one active card account
- Apple Pay
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Yes Supported
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help.coinbase.com - Google Pay
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Yes Supported
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help.coinbase.com - Assets and funding
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USD, USDC and supported in-app cryptocurrencies
Select the spending asset in Card. Maintain available funds; a credited bank deposit may not yet be available for card spending.
- Spending and withdrawal limits
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Personal limits: Card → Support → View limits
Help Center says limits vary. The linked 2024 agreement lists purchases $2,500/24h, ATM $1,000/24h and card balance $25,000. Check your applicable agreement and in-app limits.
Application and account
- Residence / identity
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US residents excluding Hawaii, age 18+
The cardholder agreement requires US citizenship or permanent residence; a verified Coinbase account and possibly SSN documentation are required. No credit check.
- Application and activation
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Coinbase → Card → verify identity/address → apply
Virtual access after approval; physical delivery estimated at 2–3 weeks, then set PIN and activate
Sources · 1
help.coinbase.com - Custody
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Spending debits your Coinbase platform account
Crypto is converted to USD for payment; this is not direct spending from a self-controlled wallet and provides no credit facility.
- Refunds, repayment and card controls
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Refunds usually 5–10 business days; card lock in app
Contact the merchant first; timing depends on merchant/network. Old-card refunds can reach the replacement. Lock a lost card and replace it; the old card is deactivated.
Restricted categories include gambling, securities, money transfer and crypto merchants. US eligibility does not imply card acceptance in every destination.
Official notice