COCA Card vs RedotPay Card
Side by side at your spend: what each card pays back after fees and FX, where you can get it and what it includes.
Short answer: At $2,000 a month in the EU, COCA Card pays back $21.61 a month and RedotPay Card costs $42.75 a month more than it pays back. COCA Card comes out $64.36 a month ahead. At $500 a month, COCA Card comes out $19.24 ahead. At $5,000 a month, COCA Card comes out $139.36 ahead. In Australia, COCA Card costs $28.36 a month less at the same spend. COCA Card’s figures are for a plan that needs COCA locked. Only RedotPay Card is open to people in Canada.
Terms checked COCA Card , RedotPay Card How we work it out
In US dollars. FX on EUR spending is included.
COCA Card pays back $64.36 more a month than RedotPay Card at this spend.
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| Detail | COCA Card | RedotPay Card |
|---|---|---|
| Plan at this spend | Standard+ (1,000 COCA staked) | Pro |
| Paid in | USDC or EURC | USDs credit |
| FX on your spend | 0% | 2.5% |
| Yearly fee | None | $129 |
| Network | Visa | Visa |
| Card type | Debit | Prepaid |
| Custody | Self-custody | Custodial |
| Available in | UK, EU, Australia, Asia-Pacific, Elsewhere (not Singapore) | UK, EU, Canada, Australia, Asia-Pacific, Elsewhere (not Indonesia, Singapore, Turkey) |
| Perks | Discounts & offers, Earn yield | Earn yield, Borrow vs crypto |
RedotPay CardFX marked measured is what we paid on our own purchases. The rest are worked out from each card's terms. How we work out FX
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.
COCA Card
- 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
- 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
RedotPay Card
- Free standard tier with no monthly fee; free on-chain crypto top-up (0%)
- Visa, virtual + physical + Solana Edition, 100+ countries
- Apple Pay and Google Pay supported
- Standard cards earn ZERO cashback; only the paid Pro tier ($129/yr) earns rewards
- Pro 3% cashback applies ONLY to Apple/Google Pay spend and is capped at 18 USDs/mo (~$600 of spend), so the $129/yr fee eats most of it
More: other comparisons, every card at your spend, or the cashback list.