COCA Card vs PENGU Card
Crypto native
Crypto native
Verdict
- COCA Card and PENGU Card have the same overall score (6.9/10).
- COCA Card is clearly stronger on: FX & international, Custody & security.
- 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
- Frequent travellers
Stronger on: FX & international, Custody & security
PENGU Card is a good fit for
- 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 | PENGU Card |
|---|---|---|
| Fees | – | 96 |
| Cashback & rewards | 51 | 51 |
| Availability | 100 | 100 |
| FX & international | 100 | 20 |
| Product features | 70 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | 30 | – |
| Limits & ATM | – | 33 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.3 | 6.4 |
| Best for Travel | 7.7 | 5.4 |
| Best for Self-Custody | 7.3 | n/a |
| Best for DeFi Users | 6.3 | 6.3 |
| Best for Stablecoins | 7.2 | 6.4 |
| Best for High Spenders | 5.9 | 5.5 |
| Best for Low Fees | n/a | 6.9 |
| Best for Beginners | 7.6 | 8.3 |
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
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
CustodialShow source
Card issuer / program manager
WirexConditions apply: tap or hover for detailsShow source
Page says the card is provided in collaboration with Wirex.
Third NationalConditions apply: tap or hover for detailsShow source
Program issued under license from Visa; KAST card program (Troia Corp as KAST); for Nigerian users marketed by BANEX Microfinance Bank
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Standard · Premium · PrivateShow source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
"up to"; generic KAST non-US cardholder agreement, effective Mar 20, 2025; not tier specific
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Stated as zero only on direct pairs.
2%Conditions apply: tap or hover for detailsShow source
"up to" for non-USD purchases; section 6.2 elsewhere states Foreign Transaction Fees up to 3% (inconsistent within document)
ATM fee
$3 + 2%Conditions apply: tap or hover for detailsShow source
Per withdrawal
Small transaction fee
$0.20Conditions apply: tap or hover for detailsShow source
Non-USD transactions below USD 25
Other fees & markups
Declined transaction: up to USD 0.5 per declined transaction · Cross border fee: 0% · Late payment: up to US$40 · Returned payment: up to US$29 (section 6.1 states US$35) · Liquidation penalty: up to US$35Conditions apply: tap or hover for detailsShow source
Penalty and other fees from the Important Disclosures
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
1.5%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)
3%Conditions apply: tap or hover for detailsShow source
$10,000/year tier
Cashback paid in
Stablecoins (e.g. USDC, EURC) to the USD or EUR banking balanceConditions apply: tap or hover for detailsShow source
COCA may at its discretion credit cashback to the crypto wallet or another eligible destination within COCA
Cashback type
StablecoinShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
12%Conditions apply: tap or hover for detailsShow source
Up to; Reserve account, 8% on Free tier
Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers
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) · Rewards must be claimed manually: 1 claim per 24 hours, minimum $1.00 · 50% back on one subscription per category in 1 to 4 categories from Standard tier; subscription charge up to USD 70 · Curve payments: flat 1% below Premium+, tier rate at Premium+ and EliteShow 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
Reward expiry / vesting
Unclaimed rewards expire 12 months after becoming claimable (after the 14-day pending period); expired rewards are burnedShow source
Reward exclusions
ATM withdrawals, cash advances and quasi-cash (incl. via PayPal) · Direct crypto purchases · Gambling and betting · Government/judicial payments, taxes, fines · Refunded, canceled or disputed transactions · Professional services and timeshares · Listed excluded MCCs (e.g. 4829, 6010-6012, 6051, 6211, 6530-6540, 7399, 8999, 9211-9411)Conditions apply: tap or hover for detailsShow source
Effective September 1, 2025; COCA may update the list without notice
Some merchant categoriesShow source
Credit & financing
Credit line
NoShow source
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
Purchases; issuer and KAST reserve the right to introduce interest in the future
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
GlobalConditions apply: tap or hover for detailsShow source
170+ countries
Account / spend currencies
EUR · USDConditions apply: tap or hover for detailsShow source
Bank transfer top-up in EUR (SEPA) or USD.
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
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Up to 850 EUR per day, 5,000 EUR per month, 5 withdrawals per day
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDT · USDC · PENGU · 25+ other crypto coinsShow source
Limits
ATM limit
€850Conditions apply: tap or hover for detailsShow source
Per day; 5,000 EUR per month; max 5 withdrawals per day
Spending limit
€30,000Conditions apply: tap or hover for detailsShow source
Per transaction, per day and per month; 75,000 EUR per 3 months, 100,000 EUR per 6 months
Annual cost at 1,500 EUR/month
COCA Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+161 EUR
- Net annual valuenot enough data
PENGU Card
- Annual & monthly fees−18 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value124 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers