Bit2Me Card vs COCA Card
Crypto native
Crypto native
Verdict
- COCA Card scores higher overall (6.4 vs 5.8 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.
Bit2Me Card is a good fit for
- Stablecoin holders
COCA Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards
★ 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 | Bit2Me Card | COCA Card |
|---|---|---|
| Fees | 89 | – |
| Cashback & rewards | 28 | 51 |
| Availability | – | 100 |
| FX & international | 20 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 81 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.0 | 6.0 |
| Best for Travel | 5.2 | n/a |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 5.9 | 6.1 |
| Best for Stablecoins | 6.0 | 6.2 |
| Best for High Spenders | 4.7 | 5.2 |
| Best for Low Fees | 7.2 | n/a |
| Best for Beginners | 7.3 | 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
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
Card issuer / program manager
PecuniaConditions apply: tap or hover for detailsShow source
Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated
Tiers / plans
Space Center levels 0–7Show source
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Page states no maintenance fees for virtual or physical cards
Monthly fee
FreeShow source
Physical card fee
€20Conditions apply: tap or hover for detailsShow source
Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
Virtual card fee
FreeShow source
FreeShow source
Replacement fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card replacement only; physical card replacement fee not stated
FX fee
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Paying from a linked crypto wallet; 0% from the euro wallet
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only
Free ATM allowance
€300/monthShow source
Other fees & markups
Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
Max cashback
7%Conditions apply: tap or hover for detailsShow source
Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
Cashback paid in
B2MShow source
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
Platform tokenShow source
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
€300/monthConditions apply: tap or hover for detailsShow source
Level 7; €7.50 at level 1, none at level 0
$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
Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source
The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only
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
Credit & financing
Credit line
NoShow source
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
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
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card only
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
YesConditions apply: tap or hover for detailsShow source
Card can be linked to a stablecoin wallet (Bit2Me Earn offer)
YesShow source
Limits
ATM limit
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
€850Conditions apply: tap or hover for detailsShow source
Per day; 5,000 EUR per month; max 5 withdrawals per day
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
€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
Security & custody
Regulation / licences
CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source
Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025
Annual cost at 1,500 EUR/month
Bit2Me Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
COCA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+161 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers