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Thank you for a question. Spending US dollars with the Coinbase Card has no fee, but using any crypto has a 2.49%67 transaction fee on all purchases. They sell your cryptocurrency each time you make a purchase, that is why there's a fee for crypto purchases.

If you don't want to pay any extra fees, just choose one of the conventional cards with rewards or choose crypto cards that don't convert cryptocurrency into dollars while everyday spending, like SoFi Credit Card.