COCA Card
- Generous cashback of up to 8%, with 1% for the free tier
- 0% Foreign Exchange fee, no Load Fees, no Transaction Fees
- Self-custodial card via Privy (a Stripe company)
- ~0.6% cost when USDC -> local currency, and 0% when you spend in USD
- Apple Pay Enabled
- Some bugs and quirks in the app
- Mixes both EUR and USD when describing limits, cashback, etc
- Support replies quick to initial questions, but not to follow ups
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to EUR Crypto->EUR Conversion Cost | ~0.6% |
| Highest Cashback | up to 8% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | 300 EUR |
| Daily Spending Limit | 30,000 EUR |
| Daily ATM Withdrawal Limit | 850 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (you can move funds without the wallet provider) |
| Supported Blockchains | ArbitrumBaseBinance Smart ChainEthereumOptimismPolygonSolana |
| Supported Cryptocurrencies | EURCUSDCUSDT |
| Supported Countries | AndorraUnited Arab EmiratesArgentinaAustriaAustraliaAzerbaijanBelgiumBulgariaBrazilSwitzerlandChileColombiaCyprusCzechiaGermanyDenmarkEcuadorEstoniaSpainFinlandFranceUnited KingdomGeorgiaGuernseyGhanaGibraltarGreeceHong KongCroatiaHungaryIrelandIsraelIsle of ManIcelandItalyJerseyJapanKenyaSouth KoreaKazakhstanLiechtensteinLithuaniaLuxembourgLatviaMonacoMoldovaMontenegroMacaoMaltaMexicoMalaysiaNigeriaThe NetherlandsNorwayNew ZealandOmanPanamaPeruPhilippinesPolandPortugalRomaniaSaudi ArabiaSwedenSloveniaSlovakiaEl SalvadorThailandTürkiyeTaiwanUkraineUgandaUzbekistanVietnamSouth Africa |
COCA Card Benefits and Rewards
COCA Card offers 1% – 8% cashback, with higher rewards available if you stake COCA tokens and unlock loyalty tiers. At the highest tier, cashback can go as high as 8%, which places it among the highest cashback rates in the crypto card space.
Your cashback is paid in stablecoins and is distributed by the 10th of each month.
COCA also offers 50% cashback on popular subscription services, including Netflix, Spotify, ChatGPT, or YouTube Premium – with higher tiers unlocking more options.
Plus, COCA gives you access to the COCA Travel platform, where you can book hotels with discounts of up to 50% on standard rates.
Reality Check While COCA Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 300 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, COCA Card offers more value for the entry-level user, than most competitors:
| COCA Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 300 EUR | 50 EUR |
COCA Card Tiers - Membership Levels
Here are COCA's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
|
Starter Tier |
Standard Tier |
Standard+ Tier |
Premium Tier |
Premium+ Tier |
Elite Tier |
|
| Price | €0 | 300 $COCA staked (~ €353 to stake) |
1,000 $COCA staked (~ €1,175 to stake) |
3,000 $COCA staked (~ €3,526 to stake) |
10,000 $COCA staked (~ €11,754 to stake) |
30,000 $COCA staked (~ €35,263 to stake) |
| Cashback | 1% (€300 cap) |
3% on €1,000, then 1% (€320 cap) |
4% on €1,750, then 1% (€350 cap) |
5% on €2,500, then 1% (€400 cap) |
6% on €5,000, then 1% (€550 cap) |
8% on €10,000, then 1% (€1,000 cap) |
| 50% back on subs | - | 1 app Movies |
2 apps Movies AI |
2 apps Movies AI |
3 apps Movies AI Music |
4 apps Movies AI Music Shopping |
| Boosted Yield on Earn | - |
COCA Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- MT
IBAN Bank Account- in your name
COCA Card is a debit card. Alongside, COCA offers you a personal bank account. You'll receive a Malta-based IBAN bank account number issued in your name.
Third-Party Deposits:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With COCA, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges, receive salary payments, or get paid by clients.
It Comes in Both Physical and Virtual Forms
You can get COCA Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 5 EUR | Cost to Order: 0 EUR |
You will find the physical COCA Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-EUR Conversion Cost with COCA Card
COCA Card Requires Pre-Load
Before you can use your COCA Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~0.6% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | You Pay 0% Gas Fees |
| Total Crypto to EUR Cost | ~0.6% |
Low Cost:Compared to the average ~1.5% crypto-to-fiat cost of other cards, converting crypto with COCA Card is much more cost-effective (~0.6%). This means that you will get more EUR for your crypto when using this card.
Rare Feature: COCA subsidizes your Gas Fees, so you pay effectively 0%. This is a unique rare feature. Just think about it... No gas fees for you to pay? That's amazing.
From all crypto cards we reviewed, Plasma One Card, Ready Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does COCA Card Compare to Other Crypto Cards?
COCA Card ranks #17 out of 76 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.
In addition, COCA Card ranks #8 out of 24 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of COCA Card against its 75 competitors:
- Offers impressive maximum cashback of up to 8% (other cards have an average of 4%).
- Offers up to 300 EUR per month in cashback for entry-level users (exceeding the competitors' 50 EUR average).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Offers a generous 30,000 EUR daily spend limit (other cards offer 10,000 EUR limit on average).
- You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
- You won't be charged any monthly fee on the base tier (while 15% of other crypto cards charge one, with a median of 1.6 USD per month).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.6% (versus an average of ~1.5% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 10/10 (average fees & limits structure rating amongst other cards is 6.4/10).
- This crypto card is non-custodial, which means you can move your funds without relying on COCA. Your crypto stays under your control instead of being managed in a custodial account.
COCA Card vs. Tangem Card vs. Ether.fi Card
COCA Card
|
Tangem Card
|
Ether.fi Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~0.6% | 0% + Gas Fees | 0% + Gas Fees |
| Highest Cashback | up to 8% | None | up to 3% |
| Entry-Level Cashback | 1% | None | 3% |
| Daily Spending Limit | 30,000 EUR | 50,000 USD | Unlimited |
| Daily ATM Limit | 850 EUR | N/A (Virtual-Only Card) | 750 USD |
| Foreign Exchange Fee | 0% | 1% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 3 | 1 | 4 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Ether.fi Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with COCA Card and Tangem Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, COCA Card offers the best cashback rewards of up to 8%. The cashback rewards for Ether.fi Card are not as high. With Tangem Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
COCA Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's what you'll pay when you withdraw cash in EUR, in a European country where EUR is the local currency:
Starting with an initial amount of 200 EUR in USDT, the ATM withdrawal with COCA Card will cost you a total of ~8.18 EUR (4.1% of 200 EUR), resulting in a final cash withdrawal of 191.82 EUR in hand.
Doesn't COCA Card Offer Free ATM Withdrawals?
Yes, COCA offers free ATM withdrawals for up to 250 EUR per month, in line with the average limit of 200 EUR offered by other cards.
When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 250 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 3.98 EUR, reducing your local ATM withdrawal cost to around 4.2 EUR, compared to the standard cost of approximately 8.18 EUR.
International non-EUR ATM Withdrawals
ATM withdrawals get more expensive when the withdrawal is made in a currency other than EUR.
So if you use your COCA Card to withdraw local currency outside of Europe, here's what it will cost you:
For an international withdrawal using your COCA Card with an initial 200 EUR in USDT, you'll incur fees totaling ~14.15 EUR (7.1% of 200 EUR), leaving you with 185.85 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, COCA Card is more cost-effective for both local and international ATM withdrawals:
| Cost with COCA Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~8.2 EUR (4.1% of 200 EUR) | ~8.4 EUR (4.2% of 200 EUR) |
| International ATM Withdrawals | ~14.2 EUR (7.1% of 200 EUR) | ~17.4 EUR (8.7% of 200 EUR) |
From all crypto cards that we reviewed, Bleap Card, Trade Republic Card and Krak Card offer the cheapest local ATM withdrawals (1.8%, 2.2% and 2.5% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested COCA Customer Support
We asked COCA customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
COCA offers support via the following channels:
| [email protected] | |
| Web Form | https://help.coca.xyz/support/tickets/new |
Location: COCA customer service reps are located in 
United Kingdom and 
Ukraine.¹
| Support Channel | Our Interaction | Score |
Email (replied in 2 h 18 min) | Quick reply explaining that the 2% ATM fee applies to all currencies, as withdrawals are debited from EUR or USD and converted. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 13 h 0 min) | Answered the currency priority question clearly, indicating that the higher balance currency will be used first for non-EUR and non-USD transactions. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 2 h 31 min) | Didn't fully answer the question about the conversion spread, gave a generic answer about no FX fees on card transactions. Didn't reply to a follow up question at all. | Moderate Competence Not Personalized Flawless English, Professional Tone 6.5/10 |
Email (replied in 2 h 59 min) | Detailed reply covering third-party deposits and transaction limits. Provided additional info. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 3 h 38 min) | Addressed both questions but dodged the card denomination question. | Moderate Competence Somewhat Personalized Flawless English, Professional Tone 7/10 |
To summarize,
Competence and Problem-Solving: COCA's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.
Customer Love: COCA's support replies are personalized rather than copy-paste templates, though they tend to be brief and don't go into a lot of detail.
Reply Speed: Response times are inconsistent, ranging from as quick as 2 hours to as slow as 13 hours.
Overall Customer Service Rating: 8.4/10
This excellent score places COCA Customer Service well above the crypto card industry average of 7.4/10.
COCA Referral Code - to Get 10 USD Bonus
You can use COCA referral code XUxiVyGdKdW to get 10 USD bonus when you create an account on COCA platform.
Here's how you can enter the referral code:
..or, just click here.
Your bonus will be paid out to you in USDC (USD Coin), right after you order a card and spend $100 in 30 days.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is COCA Card Available for Residents of United States?
No, COCA Card is not available for residents of United States.
COCA Card supports the following countries: Andorra, Argentina, Australia, Austria, Azerbaijan, Belgium, Brazil, Bulgaria, Chile, Colombia, Croatia, Cyprus, Czechia, Denmark, Ecuador, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Gibraltar, Greece, Guernsey, Hong Kong, Hungary, Iceland, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, Kazakhstan, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Malta, Mexico, Moldova, Monaco, Montenegro, New Zealand, Nigeria, Norway, Oman, Panama, Peru, Philippines, Poland, Portugal, Romania, Saudi Arabia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, The Netherlands, Türkiye, Uganda, Ukraine, United Arab Emirates, United Kingdom, Uzbekistan, Vietnam.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 20 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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