Verdict
- COCA Card scores higher overall (6.4 vs 6.0 out of 10).
- COCA Card is clearly stronger on: Cashback & rewards, Transparency.
- 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, Transparency
Curve Pay 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 | Curve Pay |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 51 | 3 |
| Availability | 100 | 100 |
| FX & international | – | 0 |
| Product features | 70 | 70 |
| Custody & security | 80 | 75 |
| Credit & financing | 30 | – |
| Limits & ATM | – | 60 |
| Transparency | 100 | 86 |
| Best for Cashback | 6.0 | 4.1 |
| Best for Travel | n/a | 4.6 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.1 | n/a |
| Best for Stablecoins | 6.2 | n/a |
| Best for High Spenders | 5.2 | 3.5 |
| Best for Low Fees | n/a | 6.7 |
| Best for Beginners | 7.6 | 7.8 |
| Best E-Money Card | n/a | 6.4 |
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
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Curve UK Limited (UK) / Curve Europe UAB (EEA)Show source
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Curve Pay (free plan)
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
Virtual card fee
FreeShow source
FX fee
2.99%Conditions apply: tap or hover for detailsShow source
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
ATM fee
2% (min. £2)Conditions apply: tap or hover for detailsShow source
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Other fees & markups
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow 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 plan
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
1%Conditions apply: tap or hover for detailsShow source
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback paid in
Stablecoins (claimed into the USD or EUR account)Show source
Curve CashShow source
Cashback type
StablecoinShow source
FiatShow 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
1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)Show source
Staking / holding required for top rewards
YesShow source
Staking asset
COCAShow 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
Credit & financing
Credit line
NoShow source
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
United Kingdom, EEAShow source
Account / spend currencies
USD · 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
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
Google Pay
YesConditions apply: tap or hover for detailsShow source
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Curve Pay digital wallet (free plan); physical card free from Curve Pay X
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Fee-free foreign ATM withdrawals only on paid plans (X: up to £/€ 300)
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Security & custody
Regulation / licences
FCA-authorised e-money issuer (Curve UK Limited, UK) · Bank of Lithuania e-money licence No. 73 (Curve Europe UAB, EEA)Show source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Stated for UK customers and for funds on the Curve Cash card
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
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−29 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers