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COCA Card vs OKX Card (EEA)

COCA Card

Crypto native

6.4
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OKX Card (EEA)

Crypto native

7.9
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 6.4 out of 10).
  • COCA Card is clearly stronger on: Product features.
  • OKX Card (EEA) 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: Product features

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards

★ 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 CashOKX Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCOCA CardOKX Card (EEA)
Fees–99
Cashback & rewards5165
Availability10093
FX & international–100
Product features7056
Custody & security8075
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback6.07.6
Best for Traveln/a8.4
Best for Self-Custody6.8n/a
Best for DeFi Users6.17.0
Best for Stablecoins6.28.5
Best for High Spenders5.27.2
Best for Low Feesn/a9.2
Best for Beginners7.68.2

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
MastercardShow 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

The provider holds the funds

Launch date

No data yet
2026-01-28Show source

Card issuer / program manager

No data yet
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source

Tiers / plans

Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

Starter to Standard+; free from Premium

No data yet

Virtual card fee

FreeShow source
FreeShow source

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

Crypto conversion fee

No data yet
0.1%Conditions apply: tap or hover for detailsShow source

Market spread converting stablecoins to EUR

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Starter tier, no COCA staked

2%Conditions apply: tap or hover for detailsShow source

Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period

Max cashback

8%Conditions apply: tap or hover for detailsShow source

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

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/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

USDGShow 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

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

€1,000/monthConditions apply: tap or hover for detailsShow source

Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450

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
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source

Staking / holding required for top rewards

YesShow source
NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

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
USDC payments earn no cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow 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

European Union, NorwayShow source

Not available in

No data yet
Iceland, LiechtensteinShow 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
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

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

No data yet

Spend stablecoins

YesShow source
YesShow source

Spendable assets

No data yet
USDC · USDGShow source

Limits

ATM limit

€850Conditions apply: tap or hover for detailsShow source

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

No data yet

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
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source

Deposit protection

No data yet
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

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 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 OKX Card (EEA) comparisons