COCA Card vs Crypto.com Visa Card (EEA)
Crypto native
Crypto native
Verdict
- COCA Card scores higher overall (6.4 vs 6.1 out of 10).
- COCA Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
COCA Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | COCA Card | Crypto.com Visa Card (EEA) |
|---|---|---|
| Fees | – | 87 |
| Cashback & rewards | 51 | 9 |
| Availability | 100 | 100 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | 4.4 |
| Best for Travel | n/a | 6.3 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.1 | 4.9 |
| Best for Stablecoins | 6.2 | n/a |
| Best for High Spenders | 5.2 | 4.2 |
| Best for Low Fees | n/a | 7.6 |
| Best for Beginners | 7.6 | 7.6 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
Card issuer / program manager
Foris MT Limited (Malta)Show source
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
€4.99Conditions apply: tap or hover for detailsShow source
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Virtual card fee
FreeShow source
Replacement fee
€45.01Conditions apply: tap or hover for detailsShow source
Midnight; other tiers €50
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Only for top-ups with debit/credit card; minimum top-up €20
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Above the monthly free ATM limit; ATM provider surcharges may apply
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Other fees & markups
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
0%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
4.5%Conditions apply: tap or hover for detailsShow source
Highest tier; monthly caps apply by tier
Cashback paid in
Stablecoins (claimed into the USD or EUR account)Show source
CROShow source
Cashback type
StablecoinShow source
Platform tokenShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
Max cashback per month
$15/monthConditions apply: tap or hover for detailsShow source
Monthly claim capacity, Starter; up to $350 at Elite (tier bonus + 1 USD per 100 COCA staked); unclaimed rewards carry over
Cashback conditions
Rewards stay pending for 14 days before they can be claimed · Monthly claim capacity: $15 (Starter) to $350 (Elite) · 50% back on 1 to 4 subscription categories from Standard tier · No cashback on ATM withdrawals, cash and quasi-cash, government payments and excluded MCCsShow source
Staking / holding required for top rewards
YesShow source
YesConditions apply: tap or hover for detailsShow source
Higher tiers via subscription or 12-month CRO staking
Staking asset
COCAShow source
CROShow source
Capital required for top rewards
$47,000Conditions apply: tap or hover for detailsShow source
30,000 COCA (approximate value stated by COCA) for the 8% Elite tier
€450,000Conditions apply: tap or hover for detailsShow source
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Credit & financing
Credit line
NoShow source
NoConditions apply: tap or hover for detailsShow source
prepaid card, must be topped up
Availability
Available in
AD, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, GI, Greece, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, AZ, GE, Hong Kong, Israel, Japan, KZ, MO, Malaysia, New Zealand, OM, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, UZ, GH, Kenya, Nigeria, South Africa, UG, Argentina, Brazil, Chile, Colombia, EC, SV, Mexico, PA, PeruConditions apply: tap or hover for detailsShow source
Residents, regardless of nationality
EEAShow source
Account / spend currencies
USD · EURShow source
EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
EUR accounts for residents of 28 European countries (app 3.0.0+)
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
EU: available; not available in UK or Bahrain
Google Pay
YesConditions apply: tap or hover for detailsShow source
EU: Google Wallet available, Samsung Wallet not available
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Limits
ATM limit
€2,000Conditions apply: tap or hover for detailsShow source
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Spending limit
€25,000Conditions apply: tap or hover for detailsShow source
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
Annual cost at 1,500 EUR/month
COCA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+161 EUR
- Net annual valuenot enough data
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers