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COCA Card vs Mine Card

COCA Card

Crypto native

6.4
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Mine Card

Crypto native

6.3
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Verdict

  • COCA Card scores higher overall (6.4 vs 6.3 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

Mine Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

★ 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 CashMine Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCOCA CardMine Card
Fees–99
Cashback & rewards5126
Availability100–
FX & international––
Product features7070
Custody & security8085
Credit & financing30–
Limits & ATM––
Transparency100100
Best for Cashback6.05.1
Best for Self-Custody6.87.4
Best for DeFi Users6.16.8
Best for Stablecoins6.27.0
Best for High Spenders5.25.1
Best for Low Feesn/a8.0
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
ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

Card type

Debit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

Network

VisaShow source
MastercardShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

MPC wallet powered by Privy

Self-custodyShow source

Card issuer / program manager

No data yet
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source

Tiers / plans

Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

Fees

Monthly fee

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

Basic and Premium are one-off fees, no subscription

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

Starter to Standard+; free from Premium

$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

Virtual card fee

FreeShow source
$5Conditions apply: tap or hover for detailsShow source

One-off; free with an invite code

Top-up fee

No data yet
FreeShow source

Other fees & markups

No data yet
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow 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

Basic tier has no cashback; Premium 0.5% in USDC

Max cashback

8%Conditions apply: tap or hover for detailsShow source

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

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

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

USDCShow source

Cashback type

StablecoinShow source
StablecoinShow source

Interest on balance

5%Conditions apply: tap or hover for detailsShow source

Variable APY on USD balances; EUR balances earn none

5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; variable

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
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
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
No data yet

Credit & financing

Credit line

NoShow source
No data yet

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

No data yet

Account / spend currencies

USD · EURShow source
CHF · EUR · USDCShow 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+)

YesConditions apply: tap or hover for detailsShow source

CHF and EUR IBAN in your own name; incoming money settles as USDC

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Premium tier

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

Limit $20,000 per month on Basic, $60,000 on Premium

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

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

Listed only under the (not yet released) Metal tier; not on Basic or Premium

Spendable assets

No data yet
USDCShow source

Limits

ATM limit

€850Conditions apply: tap or hover for detailsShow source

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

$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

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

$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

Security & custody

Regulation / licences

No data yet
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source

Smart-contract risk

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

Applies to opt-in Earn via Aave V3

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

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • 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

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