Coinbase Card for the US

Are you a Coinbase Card holder in the EU or UK?

This article is specific to Coinbase Card for the US. If you need support for Coinbase Card for the EU or UK, please see this help article.

Coinbase Card allows you to spend crypto¹ (including USDC) or US dollars anywhere Visa cards are accepted. You can use your card to spend cash or any of the cryptocurrencies that you own. 

(For US users only) - You'll have the ability to earn rewards when spending with your Coinbase Card. The more you use your Coinbase Card, the more rewards you earn which can accumulate over time. 

Signing up for Coinbase Card

To be eligible, you must:

  • Live in the US, excluding Hawaii.

  • Complete identity verification with Coinbase and our bank partner during the  credit card application process (our team will reach out if there is more information needed).

  • Read and agree to be bound by the Coinbase Card legal terms.

If eligible, you can sign up for Coinbase Card through or the Coinbase mobile app. Go to your Pay tab, select Apply now under Coinbase Card, and follow the prompts to sign up. 

The criteria for the Coinbase Card are pre-determined by factors which include your US state of residence. Currently, we offer this product to customers in all US states, excluding Hawaii. 

There's no application fee or credit check to receive the card, but you must have a valid Coinbase account and have completed all identity verification steps. 

Note: Coinbase Card will initially be available to select customers and we’re working to expand access over time. If you’re currently on the waitlist, we’ll send you a notification when you’re ready to apply. Our support team is unable to inform you of your place in line or the exact date when you’ll be taken off of the waitlist.

Coinbase Card is currently available in the United States as well as select European countries. For more information on the countries outside of the US where Coinbase Card is available, please see Coinbase Card for the EU and UK.

Once approved, you can begin using the card immediately for online purchases by accessing the card number found on your Coinbase account. The number will match your physical card once you receive it. 

You should receive your physical card in the mail within 7-10 business days of approval. If you haven’t received it after 10 business days, follow these steps to have a new card sent to you at no cost:

  1. Sign in to your account.

  2. Select Coinbase Card.

  3. Select Manage card in the top right.

  4. Select Support > Report your card lost or stolen.

  5. Follow the prompts.

After you’re approved, you can begin using your card immediately for online purchases by accessing the card info from your account. 

To spend using ApplePay or GooglePay, you may need to create a PIN for your Coinbase Card. You can create a PIN by following the steps below:

  1. Go to the Home tab.

  2. Select Coinbase Card.

  3. Tap Manage card in the top right.

  4. Tap Change PIN.

  5. Follow the prompts.

You can also call Coinbase Support at +1 (888) 908-7930 to create or change your PIN.

Yes, you can have your card shipped to a PO box.

If your Coinbase Card was sent to an incorrect address, follow these steps to have a new card sent to you at no cost:

  1. Sign in to your account.

  2. Select Coinbase Card.

  3. Select Manage card in the top right.

  4. Select Support > Report your card lost or stolen.

  5. Follow the prompts.

Once approved, you can access your Coinbase Card on our mobile app and on

To comply with financial regulations and protect you from fraud, we may need to collect your Social Security Number, Form W2, or other identifying documents.

Before being approved for the Coinbase Card, each customer must have their identity verified by our card partner. If your identity wasn’t verified during your initial Coinbase Card application, we encourage you to try again by following the in-product prompts.

In some situations, our support team may need to email you to obtain specific documents to verify your identity. These emails will always come from [email protected].

Using Coinbase Card

After you’re approved for the card, you can begin using your card immediately for online purchases by viewing the card details within your account. Once you receive your physical card, you can activate it through either our mobile app or on Once signed in, go to your Coinbase Card section and follow the prompts to activate your card. 

If you’re having issues activating your card, please call our support team at 1 (888) 908-7930.

The rewards you earned to date will not expire and are yours to keep. 

When offers expire, you’ll no longer be able to choose that reward. You can choose new rewards every month. Please check the Coinbase app for the latest offers available and their expiration dates. 

If your offer expires and you don’t choose a new reward, we’ll pick one for you. You can change rewards anytime from the Coinbase app.

You can only have one Coinbase Card because it is tied directly to your Coinbase account. However, if your card is lost or stolen, please report it as lost or stolen within the Coinbase app or on

No, you’re unable to have multiple users on your Coinbase Card since it is connected directly to your personal Coinbase account.

If your card is lost or stolen, please report it immediately by following the steps below: 

  1. Sign in to your account and select the Pay tab

  2. Select Coinbase Card

  3. Select Manage in the top right

  4. Select Support > Report your card lost or stolen

  5. Follow the prompts

Our team will deactivate your card and issue you a new card at no cost, which should arrive in 7-10 days.

If you would like to temporarily lock your card, open the Coinbase mobile app:

  1. Tap Pay > View card.

  2. Tap Manage.

  3. Toggle Lock card on.

  4. Tap Lock card to confirm this action. 

Locking your card prevents new transactions from being made. When you’re ready to use your card, then unlock it by following the steps above and toggling this feature off. 

Reasons to lock your card:

  • You want to better control your spending

  • You misplaced it

  • You believe it may have been stolen or compromised

Note that we’ll notify you if someone tries to use your card after it’s been locked. If you need a new card, please contact support.

You can update your billing address by following these steps:

  1. Sign in to your account.

  2. Select Coinbase Card.

  3. Select Manage card in the top right.

  4. Select Support.

  5. Select My billing address has changed.

  6. Follow the prompts.

The billing address associated with your Coinbase Card will then be updated.

The name on your Coinbase Card is the legal name that we have on file for your Coinbase account. If this name is incorrect, you can update the legal name on your account by following the steps below:

1. Go to the Document Verification page. 

2. Complete the steps to verify your identity using an official ID document.

3. The legal name on your Coinbase account will be automatically updated.

After you've done this, follow the steps to report your Coinbase Card as lost/stolen and we’ll send you a new one at no cost.

Presently, Coinbase Card can fit a name of up to 20 characters on the physical card. We’re working to expand this in the future. 

Note: For security reasons, we’re unable to update your legal name on your behalf.

You can create or change your PIN on the iOS app by following the steps below:

  1. Go to the Pay tab.

  2. Select Coinbase Card.

  3. Tap Manage card in the top right.

  4. Tap Change PIN.

  5. Follow the prompts.

If you forget your PIN, please call Coinbase Support at +1 (888) 908-7930.

Yes, you can use the Coinbase Card to withdraw cash from an ATM, and Coinbase will convert funds from your spending balance to process the withdrawal. Coinbase doesn't charge fees for ATM withdrawals, but the ATM terminal you use may charge fees.

For security reasons, you’re unable to use your Coinbase Card to fund your Venmo, PayPal, CashApp, Apple Cash, or similar services. However, you can still use your card at all merchants that accept Visa.

At this time, you can only use your Coinbase Card to spend funds held in your Coinbase account. If you have funds on your Wallet, Prime, or Commerce accounts, then you’ll need to move them over to your Coinbase account before you can spend them with your Coinbase Card.

You can see the daily spending limit for Coinbase Card US in your account. Sign into your Coinbase account, and go to Manage card > Support > View spending and ATM limits to view the daily spending limits.

The ATM withdrawal limit is $1,000 per day.

When you use a linked bank account as a payment method to deposit funds to your Coinbase cash balance or to purchase cryptocurrency, these funds are immediately available for buying and selling on Coinbase. However, for security reasons, you will be unable to immediately withdraw these funds, spend them using Coinbase Card, or send from Coinbase.

You can see when deposited funds will be available for withdrawal or spending prior to authorizing a purchase or deposit, as well as on the confirmation email for the transaction. To view your current withdrawal availability time frame, sign in to your account.

When attempting a send to an external wallet from Coinbase, you will be presented with an option to see when funds will be available for this transaction. 

Learn more about payment methods and withdrawal availability

Note: If you have a current hold on your account, you won't be able to send funds off of Coinbase until your funds clear. Coinbase Support can't manually remove the hold.

You can use the Coinbase Card to spend funds from any of your Coinbase balances. To change your funding balance, follow these steps:

  1. Sign in to your account.

  2. Go to the Pay tab.

  3. Select Coinbase Card > Paying with.

  4. Choose Select asset.

  5. Choose the crypto that you’d like to pay with.

  6. Follow the remaining prompts.

To avoid insufficient funds when attempting to spend, we recommend setting up recurring buys for your spending asset so you can automatically top-up your card.

To set up recurring buys:

  1. Select Coinbase Card > Manage > Add funds.

  2. Enter the amount you'd like to buy denominated in crypto or your local currency.

  3. Select how often you’d like to repeat your purchase.

  4. Select your payment method, then Preview buy.

  5. Select Buy now to confirm your purchase.

Some merchants—like gas stations and car rentals—will authorize a larger amount initially, but once the transaction settles for the correct amount, we'll return the excess funds to your spending balance at the prevailing market price.

Please note that when you swipe your card at a gas pump, some fuel companies place an automatic hold on your card for up to $100 and will decline the transaction if your account does not have at least a $100 balance. Other fuel companies will automatically decline the transaction without placing a hold.  

For these reasons, we recommend that you take your card inside and prepay for your gas manually through a cashier. This will ensure that the transaction will go through and no unnecessary hold will be placed on your account.

Transactions may be declined for several reasons:

  • You have insufficient funds in your account.

  • You surpass the spending limit of $2,500 a day.

  • You try to spend at a prohibited merchant category (learn more at "Where can and can't I use the Coinbase Card?").

  • If your transaction is deemed "high risk." 

If you feel that a transaction has been declined in error, please contact our support team.

The fastest way to resolve a dispute is to contact the merchant. When merchants initiate a refund, it can take up to 10 days to settle. If you’ve already done this and the issue isn’t resolved, you can dispute the transaction by contacting us

Note: You'll lose any rewards you earned on a disputed transaction.

When you spend crypto using your Coinbase Card, we sell your cryptocurrency, convert it to USD, and send the funds to the merchant. As a result, after a merchant refunds a transaction, we add the refunded amount to your USD balance in your Coinbase account. 

Refunds are denominated in the value of the USD amount at the time of the transaction. 

Note: You'll lose any rewards you earned on a refunded transaction.

You can add your Coinbase Card to Apple Pay or Google Pay for mobile payments.

Note: We currently do not support Apple Cash.

The Coinbase Card can be used anywhere that Visa is accepted, with the exception of the following prohibited merchant categories: 

  • Securities Broker-Dealers

  • Dating/Escort Services

  • Massage Parlors

  • Gambling (Including Casinos)

  • Money Orders

  • Wire Transfers

  • Government Owned Lotteries

  • Government Licensed Online Casinos (Online Gambling)

  • Government Licensed Horse/Dog Racing

  • Internet Gambling

  • Money Services Businesses

  • Cryptocurrency Businesses

  • Firearm-Related Businesses (Manufacturing and Selling)

  • Marijuana-Related Businesses

You can only spend funds that are in one of your Coinbase balances. You are unable to spend funds stored in a vault. If you’d like to spend funds that are stored in a vault, you must first move them to the asset’s balance.

Take the same precautions with your Coinbase Card account information as you would with other accounts. Be aware of ways that fraudsters can attempt to get your account information, such as phishing attacks, stealing your card details over public Wi-Fi, or installing malware and spyware on your devices.

Closing a Coinbase Card

If you’d like to stop using your Coinbase Card, please reach out to Coinbase Support to fulfill this request. This request can only be completed through our support team. 

Closing your Coinbase Card will deactivate your card so no new transactions can be made. If you’d like to reactivate your card at a later time, you can contact Coinbase Support and we’ll help you reactivate it.

Note that closing your Coinbase Card does not close your Coinbase account.

Fees and Taxes

There are no transaction fees for spending with the Coinbase Card. You can spend US Dollars (USD), USDC, or any supported crypto on Coinbase using your Coinbase Card and there will be no transaction fees.

Coinbase does include a spread in the price to buy or sell cryptocurrencies. This allows us to temporarily lock in a price for trade execution while you review the transaction details prior to submitting your transaction.

For more information on fees, please visit our pricing and fees disclosures.

The IRS classifies cryptocurrency as “property” for tax purposes. This means that each time you use your card and sell cryptocurrency, you will be treated as having sold property in a taxable transaction.

Using your Coinbase card to make purchases is similar to selling your cryptocurrency on the Coinbase exchange. You will be required to report gains or losses from your use of the card on your tax return. So long as USDC trades at par with USD, the use of your card with USDC should not result in the recognition of a taxable gain or loss. 

Please consult your tax advisor to evaluate how your use of the card affects your specific tax situation. 

To make tracking these transactions easier, you can view your entire transaction history in your account, including the price of crypto sold at the time your Coinbase card was used to make a purchase. 

For more information, please see the Coinbase Crypto Tax Guide.

The Coinbase Card is issued by Pathward N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Coinbase Card is powered by Marqeta.

1Coinbase will automatically convert all cryptocurrency to US Dollars and transfer the funds to your Coinbase Card (less conversion fees) for use in purchases and ATM withdrawals.

2Crypto rewards are an optional Coinbase offer. 

3Standard data charges may apply.

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