COCA Card
Visa card of the COCA wallet, a non-custodial MPC wallet (Privy) with USD and EUR accounts. Cashback of 1% to 8% in stablecoins depending on the amount of COCA token staked, 50% back on selected subscriptions and a variable APY on USD balances; claimable rewards are limited per month by tier.
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Base fee
FX fee
ATM fee
Card fee
$5Conditions apply: tap or hover for detailsShow source
Credit line
NoShow source
Staking needed
YesShow source
Tap a value for its source. * = conditions apply.
At a glance
Pros
- 1% base cashback in Stablecoins (e.g. USDC, EURC) to the USD or EUR banking balance
- Self-custody: funds stay in your own wallet
- Spends stablecoins directly
Cons
- Top rate of 8% only with conditions — Elite tier: 30,000 COCA staked (about $47,000)
- Higher rewards require staking or holding COCA
Good for
- People who want to keep control of their keys
- Stablecoin holders
Not for
- Anyone unwilling to lock up a platform token
Risks to understand
- Staking/holding requirements expose you to the price risk of the platform token.
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to COCA Card:
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.
All details
Fees2/15
- Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
- Virtual card fee
FreeShow source
Not yet researched: Annual fee, Monthly fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards12/14
- Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
- Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
- 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
- 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 Elite · No cashback on ATM withdrawals, cash and quasi-cash, crypto purchases, gambling, government payments, excluded MCCs and payments via PayPal and similar intermediariesShow 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 transactions · Cryptocurrency purchases · Gambling and betting · Government or judicial payments (taxes, fines, court fees) · Refunded or cancelled transactions · Professional services and timeshares · Excluded MCCs · Transactions via PayPal, Alipay, WeChat Pay, Wise, Revolut, Skrill, Neteller, Cash App, Venmo or similar intermediaries · Wallet top-ups, fund transfers and peer-to-peer paymentsShow source
Not yet researched: Cashback-eligible spend cap, Minimum balance.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies3/4
- 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
- Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
EUR accounts for residents of 28 European countries (app 3.0.0+)
Not yet researched: Not available in.
Features, wallets & supported assets4/11
- Physical card
YesShow source
- Virtual card
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
- Spend stablecoins
YesShow source
Not yet researched: Apple Pay, Google Pay, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits2/2
- 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
Product5/7
- Product status
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
- Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Not yet researched: Launch date, Card issuer / program manager.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees | 20% | No data — excluded |
Cashback & rewards Top rate requires staking/holding (−30 % on the max component) · Interest on balance 5% (variable) | 20% | 51 |
Availability 53 of 60 tracked countries | 15% | 100 |
FX & international | 10% | No data — excluded |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 65%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
How much cashback does COCA Card pay?
Base rate: 1% (Starter tier, no COCA staked). Highest advertised rate: 8% (Elite tier: 30,000 COCA staked (about $47,000)). Paid in Stablecoins (e.g. USDC, EURC) to the USD or EUR banking balance (COCA may at its discretion credit cashback to the crypto wallet or another eligible destination within COCA).
Is COCA Card a credit card?
No. It is a debit card; you spend your own balance.
Where is COCA Card available?
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, Peru (Residents, regardless of nationality).
Is COCA Card self-custodial?
Self-custody (MPC wallet powered by Privy).
Change history31 entries
- ATM limit not disclosed → {"amount":850,"currency":"EUR"} · 25 October 2026 · approved
- Spending limit not disclosed → {"amount":30000,"currency":"EUR"} · 25 October 2026 · approved
- ATM withdrawals not disclosed → true · 25 October 2026 · approved
- Reward exclusions not disclosed → ["ATM withdrawals, cash advances and quasi-cash transactions","Cryptocurrency purchases","Gambling and betting","Government or judicial payments (taxes, fines, court fees)","Refunded or cancelled transactions","Professional services and timeshares","Excluded MCCs","Transactions via PayPal, Alipay, WeChat Pay, Wise, Revolut, Skrill, Neteller, Cash App, Venmo or similar intermediaries","Wallet top-ups, fund transfers and peer-to-peer payments"] · 25 October 2026 · approved
- Reward expiry / vesting not disclosed → "Unclaimed rewards expire 12 months after becoming claimable (after the 14-day pending period); expired rewards are burned" · 25 October 2026 · approved
- 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 MCCs"] → ["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 Elite","No cashback on ATM withdrawals, cash and quasi-cash, crypto purchases, gambling, government payments, excluded MCCs and payments via PayPal and similar intermediaries"] · 25 October 2026 · approved
- Cashback paid in "Stablecoins (claimed into the USD or EUR account)" → "Stablecoins (e.g. USDC, EURC) to the USD or EUR banking balance" · 25 October 2026 · approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Max cashback per month recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Staking / holding required for top rewards recorded · 22 October 2026 · auto-approved
- Staking asset recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Interest on balance recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Capital required for top rewards recorded · 22 October 2026 · auto-approved