Bitsa Card vs COCA Card
Crypto enabled
Crypto native
Verdict
- COCA Card scores higher overall (6.4 vs 5.9 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.
Bitsa Card is a good fit for
- No specific audience can be derived from the published data yet.
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 | Bitsa Card | COCA Card |
|---|---|---|
| Fees | 82 | – |
| Cashback & rewards | 0 | 51 |
| Availability | 100 | 100 |
| FX & international | 30 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 75 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.0 | 6.0 |
| Best for Travel | 5.6 | n/a |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | n/a | 6.1 |
| Best for Stablecoins | n/a | 6.2 |
| Best for High Spenders | 3.6 | 5.2 |
| Best for Low Fees | 7.0 | n/a |
| Best for Beginners | 7.6 | 7.6 |
| Best E-Money Card | 6.9 | n/a |
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
Prepaid card, E-money cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto is converted to euros on top-up; the card spends an e-money balance
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Tiers / plans
Free · Move · ProShow 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
Free plan; Move €8.99/year, Pro €69.99/year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)
Physical card fee
€20Show source
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
Virtual card fee
€2.50Show source
FreeShow source
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Non-euro SEPA-zone currencies; 2% in the rest of the world
Top-up fee
1.5%Conditions apply: tap or hover for detailsShow source
External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on
Transfer fee
€1Conditions apply: tap or hover for detailsShow source
SEPA transfer on Free and Move; free on Pro
Other fees & markups
Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
Cashback & rewards
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
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
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
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
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
EURShow source
USD · EURShow source
Own IBAN / bank details
YesShow source
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
YesShow source
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
Limits
ATM limit
€450Conditions apply: tap or hover for detailsShow source
Per day, withdrawals outside Spain
€850Conditions apply: tap or hover for detailsShow source
Per day; 5,000 EUR per month; max 5 withdrawals per day
Spending limit
€1,500Conditions apply: tap or hover for detailsShow source
Purchase limit on Free; Move €5,000, Pro €15,000
€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
Pecunpay: e-money institution supervised by the Bank of SpainShow source
Annual cost at 1,500 EUR/month
Bitsa Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-82 EUR
COCA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+162 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers