Coinbase Card
Coinbase · VISA debit
Coinbase Card is a Visa card issued by Coinbase Luxembourg (CSSF MiCA, 2025-06) with up to 4% cashback in USDC stablecoin format. Parent Coinbase Global, Inc. (NASDAQ: COIN) — the largest US public crypto company with 100M+ global users. Available in 27 EU member states and EEA.
NorriWire does not maintain an affiliate agreement with this issuer.
Cashback
4.0%
USDC
Monthly fee
Free
FX markup
1.00%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 1.00% |
| Free ATM per month | — |
| ATM fee thereafter | 2.00% |
| Card replacement | €0.00 |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 200+ crypto balances
Supported fiat currencies: EUR, USD, GBP
Pros
- ✓MiCA licence (CSSF Luxembourg, 2025-06-20)
- ✓NASDAQ:COIN parent — institutional trust
- ✓Up to 4% cashback in USDC stablecoin (stable value)
- ✓No monthly fee, no issuance fee
- ✓200+ cryptocurrencies for funding
- ✓Apple Pay and Google Pay
- ✓Available across all of EEA
Cons
- ✗1% FX markup on international transactions
- ✗ATM only €0/mo free (all charged 2%)
- ✗No Baltic/Nordic UI languages
- ✗Coinbase account verification required
- ✗4% cashback only in USDC — other tokens 1%
- ✗Initial retail limit 25k EUR/day
Full review
Coinbase Card — Coinbase Luxembourg, S.A.
Coinbase Card is a Visa card issued by Coinbase Luxembourg (CSSF MiCA, 2025-06), offering up to 4% cashback in USDC stablecoin. The parent company, Coinbase Global, Inc. (NASDAQ: COIN), is the largest publicly listed crypto company in the US, with over 100 million customers worldwide. Available across all 27 EU member states and the EEA.
Licensing
CSSF (Luxembourg) — Coinbase Luxembourg, S.A. (registered in LU). MiCA compliance: full.
Fees
| Service | Cost |
|---|---|
| Issuance | €0 |
| Monthly fee | €0 |
| FX markup | 1% |
| ATM free allowance | €0/month |
| ATM over limit | 2% |
| Card replacement | €0 |
Cashback
- Standard: 4% USDC
- Staking required: no
Features
- Physical card: ✓
- Virtual card: ✓
- Apple Pay: ✓
- Google Pay: ✓
- Supported fiat currencies: EUR, USD, GBP
- Crypto asset funding: 200+
Pros
- MiCA licence (CSSF Luxembourg, 2025-06-20)
- Parent company NASDAQ:COIN — institutional-grade trust
- Up to 4% cashback in USDC stablecoin (stable value)
- No monthly fee, no issuance fee
- Funding support for 200+ cryptocurrencies
- Apple Pay and Google Pay supported
- Available across the entire EEA
Cons
- 1% FX markup on international transactions
- No free ATM allowance — all withdrawals incur a 2% fee
- No Baltic/Nordic language UI
- Coinbase account verification required
- 4% cashback applies to USDC only — other tokens earn 1%
- Initial retail spending limit of €25,000/day
Summary
The top choice for security-conscious European users who prioritise brand recognition (NASDAQ:COIN) and USDC stablecoin cashback. Cost-wise, it sits in a similar bracket to Crypto.com Ruby Steel, though without the CRO staking requirement. Coinbase Card is the natural 'first card' pick for users with a preference for BaFin/CSSF-regulated providers.
Review prepared on 2026-05-08 from official partner sources and the MiCA register. Always check the current terms on the website before transacting: