Coinbase Card is a Visa prepaid debit card from the Coinbase exchange. Purchases draw from your Coinbase account balance. The US card is limited to US citizens or permanent residents who live in the US, excluding Hawaii, so this guide focuses on its eligibility, fees, and limits before you decide whether it fits your needs. See What to know before applying for fees and risks.
What Is Coinbase? Company Background
Coinbase was founded in 2012 by co-founders Brian Armstrong (its current CEO) and Fred Ehrsam. The company listed on Nasdaq on April 14, 2021, under the ticker COIN. Coinbase describes itself as a remote-first company with no headquarters.
According to its second-quarter 2026 financial report, as of June 30, 2026, the platform held $245.9 billion in assets and had 7.6 million monthly transacting users for the quarter. Its website says it serves more than 100 countries.
Its products include the Coinbase app for individual users, Coinbase Prime for institutions, and Coinbase Developer Platform for developers. Coinbase and Circle jointly launched the USDC stablecoin.
Coinbase opened the US card waitlist on October 28, 2020; the card had launched earlier in the UK and Europe. The US card is issued by Pathward and processed by Marqeta. The UK card is issued by Paysafe under a separate program.
One distinction matters: the Coinbase One Card is an Amex credit card, not this product. Coinbase says its Card is not a credit card or a checking or savings account.
Coinbase Card Rewards and Limits
Funds stay in your Coinbase account and can include USD, USDC, and supported crypto assets. When you pay, Coinbase automatically converts crypto assets to USD. This is a custodial service, not a wallet where you hold the private keys yourself.
| Item | Standard rewards (US card) |
|---|---|
| Eligibility | Age 18 or older; US citizen or permanent resident living in the US (excluding Hawaii) |
| Reward rate | — |
| Reward format | Choose one crypto asset; you can change it monthly |
| Reward cap | Advertised by Coinbase as unlimited |
| Reward expiry | Earned rewards do not expire |
| Excluded transactions | Cash withdrawals, stored-value card purchases and reloads, payments to financial institutions, loan or credit-card repayments |
| Balance limit | $25,000 |
| Funding | Up to $5,000 and 2 times per 24 hours; 4 times per 7 days and 10 times per 30 days |
| Cash withdrawals | Up to $1,000 per 24 hours; up to 3 per channel and 6 total per day |
| Card spending | $2,500 per 24 hours |
Rewards are available only to US cardholders. You do not need a credit check or to stake assets to apply.
See Coinbase review and comparison for a full rewards comparison.
Coinbase US Card Fees
- Opening fee: $0 for virtual and physical cards; there is no application fee.
- Annual and monthly fees: $0.
- Funding: $0 when funding from your Coinbase account.
- Replacement card: $0.
- Foreign purchases: $0 for international transactions; the Visa network converts the amount.
- ATM: $0 from Coinbase; the ATM operator may charge a separate fee.
- Spending crypto: Coinbase says spending USD or USDC has no fee; buying or selling crypto still includes a spread.
See Coinbase fees in detail for the full fee schedule.
What to Know Before Applying
- The US card is for people age 18 or older who are US citizens or permanent residents living in the US, excluding Hawaii. Applying requires an SSN and proof of identity.
- This is a custodial service, and your balance is held at Coinbase. In the US, spending crypto counts as a sale for tax purposes.
- Reward rates can change, and Coinbase can change or end the rewards program.
How to Apply for Coinbase Card (Where to Enter the Invite Code)
The referral code below is for creating a Coinbase account; it does not make you eligible for the card. UK and Turkish residents are not eligible for this article’s referral link or invite code.
- Use the referral link or enter
TVNSF8Hon the signup page to create a new Coinbase account. Existing accounts cannot add the code later. - New users who sign up through the referral program are excluded from Coinbase’s new-customer first-purchase spin reward and first-trade promo code.
- If you meet the US card requirements above, complete identity verification and apply in the app or on the website. Once approved, you can use the virtual card.
Using the Card in Taiwan
The US card ships only to US addresses, and moving abroad may result in cancellation. Apple Pay and Google Pay are available only to US users. JKoPay cannot be linked.
For a Visa crypto card available to readers in Taiwan, see the Visa crypto card comparison or the RedotPay application guide. For the basics of stablecoins, see the stablecoin storage guide.
