Verdict
- COCA Card scores higher overall (6.4 vs 6.0 out of 10).
- COCA Card is clearly stronger on: Cashback & rewards, Custody & security, Transparency.
- KAST is clearly stronger on: 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: Cashback & rewards, Custody & security, Transparency
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing
★ 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 | COCA Card | KAST |
|---|---|---|
| Fees | – | 99 |
| Cashback & rewards | 51 | 35 |
| Availability | 100 | – |
| FX & international | – | 30 |
| Product features | 70 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | – | 33 |
| Transparency | 100 | 86 |
| Best for Cashback | 6.0 | 5.2 |
| Best for Travel | n/a | 5.0 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.1 | 6.3 |
| Best for Stablecoins | 6.2 | 6.3 |
| Best for High Spenders | 5.2 | 5.2 |
| Best for Low Fees | n/a | 7.0 |
| Best for Beginners | 7.6 | 7.2 |
| Best Crypto Credit Card | n/a | 7.0 |
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
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
CustodialConditions apply: tap or hover for detailsShow source
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source
Account-level memberships replacing card tiers (announced May 5, 2026)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Standard membership; Premium $1,000/yr, Private $10,000/yr
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
$40Conditions apply: tap or hover for detailsShow source
Delivery fee; the Standard physical card itself is free
Virtual card fee
FreeShow source
$2Conditions apply: tap or hover for detailsShow source
Certain markets only, Standard tier
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Up to; 0.5%–1.75% on non-USD card spend depending on membership
ATM fee
$3 + 2%Conditions apply: tap or hover for detailsShow source
Plus FX fee on non-USD ATMs; operators may add charges
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
Non-USD transactions under $25
Other fees & markups
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
1.5%Conditions apply: tap or hover for detailsShow source
Standard membership, first $2,000 of spend per month
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
3%Conditions apply: tap or hover for detailsShow source
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
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
USDShow source
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
Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Standard; Premium $10,000, Private $40,000 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
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
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow 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
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow 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
Some merchant categories excludedShow source
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Card described as a credit card secured by deposited virtual assets
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
YesConditions apply: tap or hover for detailsShow source
Region-dependent
Google Pay
YesConditions apply: tap or hover for detailsShow source
Region-dependent
Physical card
YesShow source
YesShow source
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
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDT · USDCConditions apply: tap or hover for detailsShow source
Acceptable Tokens for deposit
Blockchains
Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Limits
ATM limit
€850Conditions apply: tap or hover for detailsShow source
Per day; 5,000 EUR per month; max 5 withdrawals per day
$750Conditions apply: tap or hover for detailsShow source
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
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
Security & custody
Deposit protection
NoShow 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
KAST
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value151 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers