Verdict
- Revolut scores higher overall (7.1 vs 6.4 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
Revolut is a good fit for
- Frequent travellers
★ 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 | Revolut |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 51 | 5 |
| Availability | 100 | 100 |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 80 | 75 |
| Credit & financing | 30 | – |
| Limits & ATM | – | 64 |
| Transparency | 100 | 93 |
| Best for Cashback | 6.0 | 4.8 |
| Best for Travel | n/a | 8.2 |
| 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 | 5.2 |
| Best for Low Fees | n/a | 9.4 |
| Best for Beginners | 7.6 | 7.9 |
| Best E-Money Card | n/a | 9.0 |
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
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
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/moConditions apply: tap or hover for detailsShow source
Austria
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan; paid plans €3.99–€60/month (Austria)
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
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
ATM fee
2%Conditions apply: tap or hover for detailsShow source
After the monthly free allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
Other fees & markups
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow 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
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
Cashback paid in
Stablecoins (claimed into the USD or EUR account)Show source
Cashback type
StablecoinShow source
PointsConditions apply: tap or hover for detailsShow source
RevPoints, redeemable for air miles and Stays discounts
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
1%Conditions apply: tap or hover for detailsShow source
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
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
EEAConditions apply: tap or hover for detailsShow source
Personal accounts; other supported regions listed on the help page
Account / spend currencies
USD · EURShow source
EURConditions apply: tap or hover for detailsShow source
Austrian accounts; multi-currency accounts available
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
EUR accounts for residents of 28 European countries (app 3.0.0+)
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Standard card; delivery and customisation fees apply
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
All plans
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Standard: available for purchase only; included on higher paid plans
Security & custody
Regulation / licences
Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCAShow 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
Revolut
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers