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Coinbase Visa Card Review

Coinbase is one of the most well-respected and trusted brands in the entire crypto economy. It makes sense for their Coinbase Visa card offering to be one of the most useful crypto debit cards on the market.

The Coinbase Visa is mainly focused on allowing users to simply spend their cryptocurrency holdings at any merchant around the world or turn their Bitcoin and other crypto assets into cold, hard cash at any ATM. It also offers some generous cryptoback benefits.

While there aren’t as many additional perks as some of the competing crypto credit cards, the reality is that Coinbase Visa is a solid option for someone who just wants to be able to have a debit card to access the cryptocurrencies in their Coinbase account.

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Pros & Cons


  • Coinbase has never faced any major security incidents that led to loss of user funds

  • Supports all of the major cryptocurrencies

  • Connects directly with your Coinbase account

  • Can be used at basically all merchants and ATMs around the world


  • Fees are a bit high for converting crypto to fiat currency to be used on the card

  • Not available in all jurisdictions

  • No extra perks like free Netflix or reduced trading fees

What is the Coinbase Visa Card?

The Coinbase Visa card is basically an additional feature tacked onto Coinbase rather than a standalone product. In other words, you need to be a Coinbase user in order to gain anything from this crypto debit card (or even gain access to it in the first place).

Coinbase is one of the largest custodians of crypto assets on the market, so it makes sense for them to enable their users to spend the value of their crypto asset holdings whenever they’re doing their everyday shopping. There are more than 20 digital assets that can be held in a Coinbase account, so this crypto debit card will be a suitable option for the majority of the cryptocurrency community. However, it should be noted that only nine crypto assets are supported with the Coinbase Visa card.

What are the Benefits of the Coinbase Visa Card?

The Coinbase Visa card is a relatively simple card compared to some of its competitors. It offers up the ability to spend your cryptocurrencies and earn cashback rewards up to 4% in a rotating group of cryptos. The card has no monthly or annual fee.

The reality is that some of the other offerings out there, such as’s 8% cashback rewards and additional incentives for its top tier card, come with strings attached that some users will overlook. With the Coinbase Visa card, you know you’re working with a reputable company, and you don’t have to worry about staking some proprietary token and potentially losing a lot of money with that forced price speculation.

An often-overlooked benefit of the Coinbase Visa card is that you are able to withdraw cash from an ATM without having to pay any fees on the Coinbase side of things (the ATM operator may charge fees of their own). You can also choose which cryptocurrency in your Coinbase account should be used as the source of value for payments made with the Coinbase crypto debit card.

Potential Coinbase Visa Card Dealbreakers

The lack of real rewards and benefits with the Coinbase Visa card are the real dealbreaker for most cryptocurrency enthusiasts right now. Due to the lack of any rewards, people who are able to get approved for various credit cards that have extensive rewards attached to them may want to stick with those options for now.

Instead of using the Coinbase Visa card, you could simply hold your cryptocurrency separately. You could then use a traditional credit card and simply sell some Bitcoin, Ether, or other cryptocurrency every month to pay off your credit card bill.

Is the Coinbase Visa Card Right for Me?

If your main goal is to simply be able to spend your cryptocurrency via a debit card, then Coinbase is one of the most suitable options available. There is no proprietary token to worry about, and the card currently supports spending from nine of the most popular cryptocurrencies on the market. The card also has a simple cryptoback rewards program where you can earn anything from 1% to 4% in a variety of different cryptos including Stellar Lumens, Bitcoin or Ethereum.

Coinbase is one of the most reputable brands in the cryptocurrency space. That said, the Coinbase Visa card is currently only available in various European countries, so customers in the United States are out of luck for now.

Coinbase Visa Card Frequently Asked Questions

If you tried to use your Coinbase Visa card and the charge was declined, then there are a few different issues that could have occurred. First, you’ll want to make sure that your card has been activated. Once you’ve confirmed the card is active, you’ll then want to check your Coinbase account to make sure you have funds available. Thirdly, you should check to make sure that you have funds available in the specific cryptocurrency that you have chosen as the wallet to fund your card’s spending. One last thing you can check is to make sure you have not reached your spending limit for the month. If none of these issues seem to be causing the problem, then your best bet will be to contact Coinbase Support.

There are a number of different fees to consider when it comes to the Coinbase Visa card. First, there is a 4.95 € fee just to get the card shipped to you in the first place. There is also a 1% fee attached to cash withdrawals from ATMs, but the first 200 € withdrawn each month does not have any fees attached to it. However, it should be remembered that ATM service providers often charge fees of their own.

While there are no additional fees on purchases made domestically, international purchases carry a 3% fee.

If you ever need your card to be replaced, then you’ll need to pay another 4.95 €.

No, you will need to have a verified Coinbase account in order to use the Coinbase Visa debit card. If you’re having trouble with the verification process, then you’ll need to contact Coinbase Support.

Yes the Coinbase Visa card is available in every US state with the exception of Hawaii.

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