Verdict
- Wise Card scores higher overall (6.9 vs 6.4 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
Wise Card is a good fit for
- Frequent travellers
★ 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 | Wise Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 51 | 12 |
| Availability | 100 | 100 |
| FX & international | – | 83 |
| Product features | 70 | 70 |
| Custody & security | 80 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 51 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | 5.0 |
| Best for Travel | n/a | 7.5 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.1 | n/a |
| Best for Stablecoins | 6.2 | n/a |
| Best for High Spenders | 5.2 | 4.9 |
| Best for Low Fees | n/a | 8.8 |
| Best for Beginners | 7.6 | 8.1 |
| Best E-Money 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 cardShow source
Network
VisaShow source
VisaConditions apply: tap or hover for detailsShow source
Visa in Ireland and the EEA; network depends on issuing country
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
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No subscription required
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
€7Conditions apply: tap or hover for detailsShow source
Ireland page; one-time card order fee
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Ireland page
Replacement fee
€4Conditions apply: tap or hover for detailsShow source
Ireland page; free if the card was expiring
FX fee
0.43%Conditions apply: tap or hover for detailsShow source
From; varies by currency pair; 0% when spending a currency you hold
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Domestic bank transfer only; other payment methods have varying fees
ATM fee
2.69%Conditions apply: tap or hover for detailsShow source
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/monthConditions apply: tap or hover for detailsShow source
Eurozone-issued cards; no limit on the number of free withdrawals
Other fees & markups
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source
Spending a currency you hold is free
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
No cashback on card spending (owner research)
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
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
Cashback type
StablecoinShow source
NoneConditions apply: tap or hover for detailsShow source
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
2.4%Conditions apply: tap or hover for detailsShow source
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
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
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
Minimum balance
€101Conditions apply: tap or hover for detailsShow source
Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)
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
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
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
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source
Thailand only for accounts registered on or after 21 January 2026
Not available in
Hong KongConditions apply: tap or hover for detailsShow source
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
USD · EURShow source
EUR · GBP · USD · and many moreShow 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
Personal accounts; business accounts may pay a one-time setup fee
Features
Apple Pay
YesShow source
Google Pay
YesShow source
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
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
Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source
EU entity
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
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
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-15 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers