Verdict
- COCA Card scores higher overall (6.4 vs 6.3 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
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | Mine Card |
|---|---|---|
| Fees | – | 99 |
| Cashback & rewards | 51 | 26 |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 85 |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | 5.1 |
| Best for Self-Custody | 6.8 | 7.4 |
| Best for DeFi Users | 6.1 | 6.8 |
| Best for Stablecoins | 6.2 | 7.0 |
| Best for High Spenders | 5.2 | 5.1 |
| Best for Low Fees | n/a | 8.0 |
| 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
ActiveConditions apply: tap or hover for detailsShow source
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
Card type
Debit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source
Spends from your USDC balance, converted at purchase
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
Self-custodyShow source
Card issuer / program manager
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Basic · PremiumConditions apply: tap or hover for detailsShow source
Metal and Private announced, no price yet
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic and Premium are one-off fees, no subscription
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
$124Conditions apply: tap or hover for detailsShow source
Premium tier (physical + virtual card), one-off; $99 with an invite code
Virtual card fee
FreeShow source
$5Conditions apply: tap or hover for detailsShow source
One-off; free with an invite code
Top-up fee
FreeShow source
Other fees & markups
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime 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
Basic tier has no cashback; Premium 0.5% in USDC
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier; 'boosted cashback' announced for Metal
Cashback paid in
Stablecoins (claimed into the USD or EUR account)Show source
USDCShow source
Cashback type
StablecoinShow source
StablecoinShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
5%Conditions apply: tap or hover for detailsShow source
Opt-in Earn via Aave V3, off by default; variable
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
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
Account / spend currencies
USD · EURShow source
CHF · EUR · USDCShow 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+)
YesConditions apply: tap or hover for detailsShow source
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Premium tier
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Limit $20,000 per month on Basic, $60,000 on Premium
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Listed only under the (not yet released) Metal tier; not on Basic or Premium
Spendable assets
USDCShow source
Limits
ATM limit
$20,000Conditions apply: tap or hover for detailsShow source
Per month on Basic; $60,000 on Premium
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to opt-in Earn via Aave V3
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
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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