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COCA Card vs ether.fi Cash

COCA Card

Crypto native

6.4
Get the card
ether.fi Cash

Crypto native

★ Our pick
8.1
Get the card

Verdict

  • ether.fi Cash scores higher overall (8.1 vs 6.4 out of 10).
  • COCA Card is clearly stronger on: Transparency.
  • ether.fi Cash is clearly stronger on: Cashback & rewards, Product features, Credit & financing.
  • 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: Transparency

ether.fi Cash is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, Product features, Credit & financing

Score by criterion

CriterionCOCA Cardether.fi Cash
Fees–100
Cashback & rewards5169
Availability100100
FX & international–40
Product features70100
Custody & security8085
Credit & financing3075
Limits & ATM––
Transparency10074
Best for Cashback6.07.7
Best for Traveln/a6.7
Best for Self-Custody6.88.1
Best for DeFi Users6.18.1
Best for Stablecoins6.27.7
Best for High Spenders5.27.0
Best for Low Feesn/a7.4
Best for Beginners7.69.0
Best Crypto Credit Cardn/a7.9

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
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Marketed as a credit card; Direct Pay mode spends your own balance

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

MPC wallet powered by Privy

Self-custodyConditions apply: tap or hover for detailsShow source

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Card issuer / program manager

No data yet
Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.Conditions apply: tap or hover for detailsShow source

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

Tiers / plans

Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Core · Luxe · Pinnacle · VIPShow source

Fees

Annual fee

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

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

Monthly fee

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

Core membership

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

Starter to Standard+; free from Premium

$60Conditions apply: tap or hover for detailsShow source

Core, including shipping; Luxe and higher get 1 free

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

First virtual card free on Core; $10 in some regions and for further cards

FX fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Non-USD purchases, Core: 1% FX base fee + up to 0.5% (Luxe +0.25%, Pinnacle/VIP none). Purchases charged in EUR: 0% FX markup.

ATM fee

No data yet
Not disclosedConditions apply: tap or hover for detailsShow source

Core: ATM withdrawals available, fee not stated; Pinnacle and VIP: free, up to 10 withdrawals per month. The marketing page that listed 2% now redirects to /personal.

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Starter tier, no COCA staked

3%Conditions apply: tap or hover for detailsShow source

Core membership, on the first $2,000 of card spend per month

Max cashback

8%Conditions apply: tap or hover for detailsShow source

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

4%Conditions apply: tap or hover for detailsShow source

VIP membership, on the first $50,000 of card spend per month

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

ETHFIShow 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

5.35%Conditions apply: tap or hover for detailsShow source

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

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
Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every monthShow source

Staking / holding required for top rewards

YesShow source
No data yet

Staking asset

COCAShow source
No data yet

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

No data yet

Reward expiry / vesting

Unclaimed rewards expire 12 months after becoming claimable (after the 14-day pending period); expired rewards are burnedShow source
Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow 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
ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)Show source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Borrow Mode

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLxConditions apply: tap or hover for detailsShow source

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

Max loan-to-value

No data yet
81%Conditions apply: tap or hover for detailsShow source

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

Interest notes

No data yet
Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuouslyShow source

Grace period

No data yet
None; interest accrues immediately after borrowingShow source

Repayment

No data yet
Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi AccountShow source

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow 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

AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United StatesConditions apply: tap or hover for detailsShow source

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

Account / spend currencies

USD · EURShow source
No data yet

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

Only where Apple Pay is supported

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Not shipped to every eligible region

Virtual card

YesShow source
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

YesConditions apply: tap or hover for detailsShow source

Not permitted in North Korea, Iran and Myanmar

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

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

Core: 2 free passes to premium lounges; unlimited from Pinnacle

Travel / rental car insurance

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

Auto rental coverage, shared across all memberships

Purchase protection

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

Purchase and price protection, all memberships

Spendable assets

No data yet
USDC · LiquidUSDConditions apply: tap or hover for detailsShow source

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Blockchains

No data yet
Ethereum · Polygon · Optimism · Arbitrum · ScrollConditions apply: tap or hover for detailsShow source

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

Limits

ATM limit

€850Conditions apply: tap or hover for detailsShow source

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

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

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

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

No data yet

Security & custody

Regulation / licences

No data yet
Ether.Fi states it is not licensed to provide financial services as part of the Card ServicesConditions apply: tap or hover for detailsShow source

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Deposit protection

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

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

Smart-contract risk

No data yet
YesShow 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

ether.fi Cash

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+540 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 ether.fi Cash comparisons