COCA Card
A self-custody Visa card that pays cashback in USDC or EURC. No yearly fee. Not offered in the US. No FX fee on US dollars or euros. Other currencies cost 1.5%.
Short answer: At $2,000 a month in the EU, COCA Card pays back $21.61 a month after fees and FX. That’s a real cashback rate of 1.1%, against an advertised rate of up to 8%. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- Visa
- Debit
- Apple Pay and Google Pay
- Cashback in stablecoins
- Self-custody
- Free plan
- Subscription deals
- Earn on your balance
In US dollars. FX on EUR spending is included.
$21.61 a month
Advertised up to 8% , real cashback rate 1.1%, on the Standard+ (1,000 COCA staked) plan
$35.00 cashback$0.00 card fees$0.00 FX and other fees$13.39 token lock-up
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Pick a plan
Starter
Free, 1% on everything, up to $15 a month back
$15.00 a month, 0.8%
Standard (300 COCA staked)
Free, 3% on everything, up to $25 a month back
To unlock: 300 COCA
About $321 at a recent price
Locking the tokens pays for itself from about $250 a month of spend
$20.99 a month, 1.0%
- Pays the most
Standard+ (1,000 COCA staked)
Free, 4% on everything, up to $35 a month back
To unlock: 1,000 COCA
About $1,070 at a recent price
Locking the tokens pays for itself from about $500 a month of spend
$21.61 a month, 1.1%
Premium (3,000 COCA staked)
Free, 5% on everything, up to $60 a month back
To unlock: 3,000 COCA
About $3,210 at a recent price
Locking the tokens pays for itself from about $1,500 a month of spend
$19.84 a month, 1.0%
Premium+ (10,000 COCA staked)
Free, 6% on everything, up to $140 a month back
To unlock: 10,000 COCA
About $10,700 at a recent price
Locking the tokens never pays for itself, at any spend
Doesn't pay for itself at this spend
Elite (30,000 COCA staked)
Free, 8% on everything, up to $350 a month back
To unlock: 30,000 COCA
About $32,100 at a recent price
Locking the tokens never pays for itself, at any spend
Doesn't pay for itself at this spend
Pays for itself means the tier pays you back more than this card's plans that need nothing held, even after the cost of holding. We count that cost as 15% a year of the tokens' value, or 4% a year of interest on any balance above a month of spending. Token prices come from CoinGecko.
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 1.4% | Standard (300 COCA staked) |
| $500 | 2.2% | Standard (300 COCA staked) |
| $750 | 2.46% | Standard (300 COCA staked) |
| $1,000 | 2.16% | Standard+ (1,000 COCA staked) |
| $1,500 | 1.44% | Standard+ (1,000 COCA staked) |
| $2,000 | 1.08% | Standard+ (1,000 COCA staked) |
| $2,500 | 0.86% | Standard+ (1,000 COCA staked) |
| $3,000 | 0.72% | Standard+ (1,000 COCA staked) |
| $4,000 | 0.54% | Standard+ (1,000 COCA staked) |
| $5,000 | 0.43% | Standard+ (1,000 COCA staked) |
| $6,000 | 0.36% | Standard+ (1,000 COCA staked) |
| $7,500 | 0.29% | Standard+ (1,000 COCA staked) |
| $10,000 | 0.22% | Standard+ (1,000 COCA staked) |
Every fee
Starter is free. Standard to Elite need 300 to 30,000 COCA staked, by plan. Outside US dollars and euros, spending costs 1.8%, Visa’s exchange rate included.
- Yearly fee
- None
- FX fee
- 0% when you pay in USD or EUR from the matching balance ('direct pairs'). Other currencies carry a fee COCA puts at 0.5% to 1.5% for indirect pairs (blog, 23 Sep 2026) without saying which currency pays what; COCA says the lowest fees are on USD, EUR and GBP. Modeled at 1.5%, the top of that range, until confirmed
- Conversion fee
- No per-purchase fee stated
- Topping up
- Stablecoin deposits (USDC, USDT, EURC) on many chains, SEPA transfer to a personal EUR IBAN (residents of listed SEPA countries), or a card top-up
- ATM withdrawals
- Free up to $250 a month, then 2% (help center and card docs); two other official pages say $200
- Card issue
- Virtual card free on every tier. Plastic card $5 on Starter, Standard and Standard+; free on Premium, Premium+ and Elite
- Monthly fee
- $0. No subscription or annual fee on any tier; paid tiers need COCA staked instead
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
COCA Card's published terms, checked . Where sources disagree, we go with the less generous reading.
What's good and what to watch
Good
- 1% back on all eligible spend with no stake, paid to your USD or EUR balance in USDC or EURC
- Staking tiers raise the rate to 3% to 8% on all eligible spend, with no spend band
- No subscription or annual fee on any tier; free virtual card
- Variable APY on the USD balance on every tier (5% at 1 Sep 2026), outside the claim capacity
- Self-custodial smart wallet: card payments pull only the authorized amount
- Open to residents of 76 countries including the UK, EEA and Australia
Watch
- A monthly claim capacity limits what you can take out: $15 on Starter (reached at $1,500 of spend) up to $350 on Elite. Unclaimed rewards roll over but expire 12 months after they become claimable
- Paid tiers need 300 to 30,000 COCA staked and locked; unstaking means canceling the tier and a 30-day cooldown
- Staked COCA earns no yield
- Spending in currencies other than USD and EUR carries an FX fee COCA does not publish
- Rewards pend for 14 days and must be claimed in the app, once a day, $1 minimum
- Not available in the US or Canada
COCA price
At a glance
- Network
- Visa
- Custody
- self-custodial
- Card type
- debit
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- EthereumArbitrumBaseOptimismPolygonAvalancheSolanaGnosisNEARStellarSuiTronTONScrollMonadX Layer
- Tokens
- USDCUSDTEURC
- Availability
- UK and Europe (EEA, Switzerland, Andorra, Gibraltar, Monaco, Montenegro, Moldova, Ukraine, Jersey, Guernsey, Isle of Man), Asia-Pacific (Australia, Hong Kong, Indonesia, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Vietnam), Middle East and Central Asia (Azerbaijan, Georgia, Israel, Kazakhstan, Oman, Saudi Arabia, Turkey, United Arab Emirates, Uzbekistan), Africa (Ghana, Kenya, Nigeria, South Africa, Uganda), Latin America (Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru)
- Not offered in
- Singapore
- KYC
- Required (ID and proof of address)
- Funding
- USDC / USDT / EURC depositSEPA bank transfer to a personal EUR IBANCard top-upCard-to-card transfer
- Spending limit
- EUR 30,000 per transaction, day and month; EUR 75,000 per 3 months; EUR 100,000 per 6 months
- ATM limit
- EUR 850 a day, EUR 5,000 a month, 5 withdrawals a day
Perks and benefits
- Offers & credits50% back on one subscription per category (Streaming, AI Assistants, Music, Marketplaces) on charges up to $70 a month: 1 category on Standard, 2 on Standard+ and Premium, 3 on Premium+, 4 on Elite. Rebates count toward the monthly claim capacity. Hotel discounts through COCA Travel
- Idle-balance yieldVariable APY on the USD balance on every tier, including Starter (5% at the terms' 1 Sep 2026 update), paid from on-chain lending markets and outside the claim capacity. EUR balances earn no APY
Compare it and read more
Compare COCA Card
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
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