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 rewards2 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

Who will be eligible for a Coinbase Card in the US?

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.

How do I apply for a Coinbase Card in the US?

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.

When will Coinbase Card be available in my country? 

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 visit our Coinbase Card for the EU and UK help article. 

I was approved for a Coinbase Card – when will I receive my physical card?

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

You should receive your physical card in the mail within 7-10 business days after you’ve been approved. If you haven’t received your physical card after 10 business days, please follow the instructions below 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

Do I need to wait for my physical card to arrive before starting to use it?

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

Please note that in order 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

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

Can I have my card shipped to a PO box?

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

My Coinbase Card was sent to the incorrect address. How do I get this fixed? 

If your Coinbase Card was sent to an incorrect address, please follow the instructions below 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

How can I access Coinbase Card?

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

What information may Coinbase need in order to verify my identity? 

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.

Why wasn't my identity verified?

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 in order to verify your identity. These emails will always come from [email protected]

Using Coinbase Card

How do I activate 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.

Are there rewards for Coinbase Card?

Yes, you can earn rewards when you pay with your Coinbase Card. Sign in to your Coinbase account to learn more about the rewards currently available to you. Once you select a rewards offer, it will apply to all of your card spending regardless of the crypto being spent. You can change your selected rewards option anytime directly from the app.

Rewards are disbursed once a transaction is complete. This happens within 1-5 days for most transactions, but can take longer depending on the merchant. 

Note: ATM withdrawals and cash back transactions are not eligible for rewards.

Can I have multiple Coinbase Cards? 

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 

Can I have a secondary user on my Coinbase Card?

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

What if my card is lost or stolen? 

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

How can I update my billing address?

If you need to update your billing address you can do so by following the instructions below:

  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 my Coinbase Card is incorrect – how do I update it? 

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 complete these steps, mark 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 hard to expand this in the future. 

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

How do I set up or change my PIN? 

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.  

Can I use my Coinbase Card to withdraw cash from an ATM?

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

Can I use my Coinbase Card to fund my Venmo, CashApp or similar service?

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 millions of merchants worldwide and anywhere that VISA is accepted.

Can I spend my Coinbase Pro, Wallet, Prime or Commerce balance?

At this time, you can only use your Coinbase Card to spend funds held in your Coinbase account. If you have funds on your Pro, 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. 

What are the spending limits with Coinbase Card?

The spending limit for Coinbase Card US is $2,500 per day, and the ATM withdrawal limit is $1,000 per day.

Why is my spending balance lower than my asset wallet balance?

When you use a linked bank account as a payment method to deposit funds to your Coinbase fiat wallet 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. 

For more on payment methods and withdrawal availability, please follow our help article

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.

How do I change the funding wallet for my Coinbase Card? 

You can use the Coinbase Card to spend funds from any of your Coinbase wallets. To change your funding wallet, please follow the steps below:

  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

Why is the pending amount larger than my transaction?

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 wallet at the prevailing market price.

Why was my transaction declined at a gas station? 

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.

Why was my transaction declined? 

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.

How do I dispute a charge? 

You can dispute a transaction by contacting us to get in touch with Coinbase Support. 

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 it by contacting Coinbase Support. 

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

How do refunds work? 

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 wallet 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. 

How do I make contactless mobile payments like Apple Pay or Google Pay? 

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

Note: We currently do not support Apple Cash. 

Where can and can't I use the Coinbase Card?

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

Can I use a Coinbase Card to spend funds in my vault?

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

Fees and Taxes

Are there fees for spending with the Coinbase Card?

Spending US dollars with the Coinbase Card has no fee, but using any crypto has a 2.49% transaction fee on all purchases. We sell your cryptocurrency each time you make a purchase, which is why there's a fee for crypto purchases.

For more information on fees, please visit our Pricing and Fees disclosures

What are the US tax implications of using the Coinbase Card?

The IRS classifies cryptocurrency as “property” for tax purposes. What this means is 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 MetaBank®, 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.