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COCA Card vs Crypto.com Visa Card (EEA)

COCA Card

Crypto native

6.4
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Crypto.com Visa Card (EEA)

Crypto native

6.1
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Verdict

  • COCA Card scores higher overall (6.4 vs 6.1 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

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesCOCA Card vs ether.fi CashCrypto.com Visa Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCOCA CardCrypto.com Visa Card (EEA)
Fees–87
Cashback & rewards519
Availability100100
FX & international––
Product features7070
Custody & security80–
Credit & financing3030
Limits & ATM–64
Transparency100100
Best for Cashback6.04.4
Best for Traveln/a6.3
Best for Self-Custody6.8n/a
Best for DeFi Users6.14.9
Best for Stablecoins6.2n/a
Best for High Spenders5.24.2
Best for Low Feesn/a7.6
Best for Beginners7.67.6

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
Prepaid cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

MPC wallet powered by Privy

No data yet

Card issuer / program manager

No data yet
Foris MT Limited (Malta)Show source

Tiers / plans

Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source

Fees

Monthly fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

Starter to Standard+; free from Premium

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

Virtual card fee

FreeShow source
No data yet

Replacement fee

No data yet
€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

Top-up fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

ATM fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

Other fees & markups

No data yet
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show 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

Free tier

Max cashback

8%Conditions apply: tap or hover for detailsShow source

Elite tier: 30,000 COCA staked (about $47,000)

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by 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

CROShow source

Cashback type

StablecoinShow source
Platform tokenShow source

Interest on balance

5%Conditions apply: tap or hover for detailsShow source

Variable APY on USD balances; EUR balances earn none

No data yet

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

No data yet

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
No data yet

Staking / holding required for top rewards

YesShow source
YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

Staking asset

COCAShow source
CROShow 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

€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

Reward expiry / vesting

Unclaimed rewards expire 12 months after becoming claimable (after the 14-day pending period); expired rewards are burnedShow source
No data yet

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
Certain merchant categories or channels are excluded from CRO RewardsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

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

EEAShow source

Account / spend currencies

USD · EURShow source
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+)

No data yet

Features

Apple Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

Google Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

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
No data yet

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

Limits

ATM limit

€850Conditions apply: tap or hover for detailsShow source

Per day; 5,000 EUR per month; max 5 withdrawals per day

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 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

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

Security & custody

Regulation / licences

No data yet
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow 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

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More COCA Card comparisons

More Crypto.com Visa Card (EEA) comparisons