Verdict
- Nexo Card scores higher overall (7.4 vs 6.4 out of 10).
- COCA Card is clearly stronger on: Cashback & rewards.
- Nexo Card 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
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
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 | Nexo Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 51 | 13 |
| Availability | 100 | 100 |
| FX & international | – | 92 |
| Product features | 70 | 70 |
| Custody & security | 80 | 75 |
| Credit & financing | 30 | 100 |
| Limits & ATM | – | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | 5.2 |
| Best for Travel | n/a | 8.0 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.1 | 7.2 |
| Best for Stablecoins | 6.2 | 7.4 |
| Best for High Spenders | 5.2 | 5.9 |
| Best for Low Fees | n/a | 9.3 |
| Best for Beginners | 7.6 | 8.1 |
| Best Crypto Credit Card | n/a | 8.4 |
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
Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source
Dual mode: Debit Mode and crypto-backed Credit Mode
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
CustodialShow source
Card issuer / program manager
DiPocket UABShow source
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
FreeConditions apply: tap or hover for detailsShow source
Requires at least Gold Loyalty Tier and portfolio above $5,000
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Balance of at least $50 required to activate; stays in account
FX fee
0.2%Conditions apply: tap or hover for detailsShow source
Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends
ATM fee
2% (min. €1.99)Conditions apply: tap or hover for detailsShow source
After the free monthly allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Other fees & markups
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
0.5%Conditions apply: tap or hover for detailsShow source
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
2%Conditions apply: tap or hover for detailsShow source
Up to; Credit Mode only, depends on loyalty 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
NEXO Tokens or BitcoinShow source
Cashback type
StablecoinShow source
CryptoShow 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
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
Staking / holding required for top rewards
YesShow source
YesConditions apply: tap or hover for detailsShow source
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
COCAShow source
NEXO TokenShow 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
Minimum balance
$5,000Conditions apply: tap or hover for detailsShow source
Digital-asset balance required to earn cashback
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
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Credit type
Crypto-backed creditShow source
Interest (APR)
1.9%Conditions apply: tap or hover for detailsShow source
'Starting from'; minimum rate
Interest notes
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
Repayment
Flexible repayment with no fixed schedule or credit checksShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Credit Mode
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
EEA, United KingdomConditions apply: tap or hover for detailsShow source
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
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
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Requires Gold Loyalty Tier and above $5,000 portfolio
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
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spendable assets
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source
Debit Mode; specific coins not listed
Limits
ATM limit
€850Conditions apply: tap or hover for detailsShow source
Per day; 5,000 EUR per month; max 5 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
Security & custody
Regulation / licences
DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Applies to Earn and Borrow products
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
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−7 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value83 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers