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Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. So, whenever you spend crypto with your Coinbase card, the merchant actually receives fiat. At Bankrate we strive to help you make smarter financial decisions. Our goal is to give you the best advice to help you make smart personal finance decisions. Link your card to your Coinbase account to earn up to 4 percent back, depending on your choice of crypto and rotating rewards categories, with no annual fee or transaction fees.