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Coinbase

Coinbase Card — US debit

The agreement describes converting supported linked-account balances to USD and loading the card for a transaction. A crypto sale can involve spread; its current amount was not captured.

Last updated: 2026-10-18 · Within the 14-day review window · For education and research. Not investment, legal, or tax advice.

Program lifecycle: ACTIVE · New applications: CONDITIONAL

Field review queue (14-day captured-evidence window)
  • availability: 2026-10-18 · CURRENT · coinbase-card-overview, coinbase-card-eligibility, coinbase-card-fees, coinbase-card-rewards, coinbase-card-cha, coinbase-card-legal-index
  • residence: 2026-10-19 · CURRENT · coinbase-card-eligibility, coinbase-card-overview, coinbase-card-cha
  • costRules: 2026-10-18 · CURRENT · coinbase-card-cha, coinbase-card-fees
  • fees.monthly: 2026-10-18 · CURRENT · coinbase-card-cha
  • fees.issuance: 2026-10-18 · CURRENT · coinbase-card-cha
  • fees.funding: Unknown · UNKNOWN ·
  • fees.conversion: Unknown · UNKNOWN ·
  • fees.spread: Unknown · UNKNOWN ·
  • fees.fx: Unknown · UNKNOWN ·
  • fees.atm: Unknown · UNKNOWN ·
  • fees.withdrawal: Unknown · UNKNOWN ·
  • rewards: Unknown · UNKNOWN ·

Check captured residence conditions

This checks supplied residence facts only. Nationality, tax residence, issuance, shipping, account checks and individual acceptance are separate. Inputs stay in this page.

Calculate documented program fees

V2 teaching scenario. Enter converted card-currency principals before fees; no live FX or authorization. Missing event facts stay unknown. Inputs remain on this page.

Legacy aggregate limitations

These conservative v1 omissions remain for old callers. The explicit v2 scenario below can evaluate represented conditions; unknown prices and restrictions remain separate.

  • Current crypto conversion quote / spread · Sources: coinbase-card-fees
  • Applicable currency conversion cost · Sources: coinbase-card-cha
  • ATM operator charge · Sources: coinbase-card-fees
  • Other applicable account/funding charges not fully captured · Sources: coinbase-card-cha, coinbase-card-fees

Preparing scenario controls

Use one actual issuer period or a stated teaching period; this is not a Shanghai calendar month or an inactivity clock.

Add an ordered transaction

Transactions consume the supplied remaining ATM allowance in the listed order.

No transactions listed: calculation explicitly uses none. Add a transaction before calculating if an amount has been entered.

Named events in this issuer period

OCCURRED means the issuer inactivity conditions are already satisfied for one billed month. This tool does not simulate twelve months, decide eligibility or refund balances.

Rewards and independent assumptions

Choose recorded terms or a separate hypothetical scenario. Declarations do not confirm personal eligibility. Inputs remain on this page.

Captured terms, claims and unresolved facts

Source text is retained in its recorded language. Official documents are not a direct product test. Conditional charges below are not automatically recurring monthly charges.

Documented term · evidence-1

US residence excluding Hawaii; agreement requires age 18 or older and US citizen or permanent resident status; account, identity/address verification and acceptance of terms.

Official help eligibility; October 14, 2024 agreement PDF page 3, section 2 Eligibility and Activation · Terms checked: 2026-10-19

  • Citizenship or permanent resident status is not automatically evaluated by the residence form; nationality alone cannot encode permanent residency.
  • Individual approval and current personalized app conditions remain unverified.
  • The agreement filename identifies the October 14, 2024 version; its effective date was not established.

Sources: Coinbase Card eligibility (coinbase-card-eligibility) Coinbase Cardholder Agreement — October 14, 2024 PDF (coinbase-card-cha)

Documented term · evidence-2

Agreement lists zero issuer monthly, issuance/purchase, transaction, international and ATM fees; crypto sale spread and ATM operator charges are separate.

fees; Captured US agreement; unknown current spread · Terms checked: 2026-10-18

  • Spread amount
  • Third-party ATM charge
  • All-in FX quote

Sources: Coinbase Cardholder Agreement — October 14, 2024 PDF (coinbase-card-cha) Coinbase Card fees and tax (coinbase-card-fees)

Documented term · evidence-3

Available crypto reward offers change and are shown in the app.

rewards; Offer mechanism only · Terms checked: 2026-10-18

  • Current percentage
  • Cap
  • Eligible offer and actual payout

Sources: Coinbase Card rewards (coinbase-card-rewards)

Product structure

Provider
Coinbase
Issuer
Pathward, N.A.
Program manager
Coinbase; Marqeta is identified as processing partner
Card type / network
DEBIT / VISA
Virtual / physical
Yes / Yes
Funding assets
USD
Funding methods
Linked Coinbase account; supported crypto may be converted to USD before card loading
Custody model
CUSTODIAL
KYC requirement
REQUIRED
Conversion mechanism
The agreement describes converting supported linked-account balances to USD and loading the card for a transaction. A crypto sale can involve spread; its current amount was not captured.
Withdrawal conditions
Issuer ATM fee is listed as zero in the agreement; an ATM operator can charge. Exact current account-specific withdrawal limits were not verified.
Staking requirements
Not verified
Lock-up requirements
Not verified

Eligibility

Unknown — do not assume eligibility.

Official help requires US residence excluding Hawaii, a valid Coinbase account, identity and address verification, and acceptance of card terms. · The linked October 14, 2024 agreement, section 2 (PDF page 3), requires age 18 or older and a US citizen or permanent resident. · US citizen or permanent resident status is not automatically evaluated by this residence form; a nationality code does not establish permanent residency. · A match of supplied residence facts is not an application approval. Individual approval and current app-specific conditions have not been tested.

Eligibility checked: 2026-10-18

Coinbase Coinbase Pathward, N.A. / Coinbase

Fees and conditions

Rewards and conditions

Not verified

Risk disclosure

  • Custodial account access, card approval and transactions can be restricted under applicable terms.
  • Crypto conversion is distinct from payment authorization and may be a taxable disposal depending on the user and law. No individual tax conclusion is made.
  • Issuer FDIC membership alone does not establish insurance for crypto or USDC. No deposit-insurance conclusion for a specific balance is made.
  • US debit product only; this is not Coinbase One credit or an EEA/UK program.
  • Hawaii residence is excluded by eligibility documentation.
  • The agreement lists zero issuer card transaction/international/ATM fees; those are not proof of zero spread, network conversion cost or third-party ATM fees.
  • Current app reward percentage, cap, available assets, spread and personalized limits remain unknown.
Official product documentation ↗