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#12 of 26VisaDebitSelf-custodial

COCA Card

Self-custodial Visa debit card from COCA. Cashback runs from 1% to 8% depending on how many COCA tokens you hold.

Key facts

Cashback
1% to 8% in Stablecoins, monthly
Annual fee
Free
FX fee
Not published
Top-up fee
0%
Per-purchase fee
None listed
ATM
Free up to $250 a month, then 2%
Card types
virtual, physical
Mobile wallets
Apple Pay + Google Pay

Cashback: Starter: 1% with no limit. Standard to Elite: 3% to 8% up to a monthly spend limit of $1,000 to $10,000, then 1%.

G2M score worldwide

64/100
Rewards7.1/25
Fees18/30
Coverage18/20
Ecosystem10.5/15
Control10/10
How the score works

Where it works

  • IndiaNot available
  • UAEAvailable
  • United StatesNot available
  • United KingdomAvailable
  • EU / EEAAvailable

UK, EEA, Asia, South America, the Middle East and Africa · 73 countries. Includes United Kingdom.

Banking features

Bank account (IBAN or account number)
In your name
Send money to a bank account
1 currency
Buy and sell crypto with fiat
Buy and sell
Spend against crypto without selling
No
Yield on your balance
Yes
ID check for people living abroad
A residence permit or local ID where you live is accepted
Citizens turned away
Not published

Tiers and plans

[ tier break-even ]

When a paid tier pays for itself against Starter (free), with its yearly fee and monthly cashback cap counted.

  • Standard (free) beats Starter (free) at any spend, if you hold the COCA it needs (below).
  • Standard+ (free) beats Starter (free) at any spend, if you hold the COCA it needs (below).
  • Premium (free) beats Starter (free) at any spend, if you hold the COCA it needs (below).
  • Premium+ (free) beats Starter (free) at any spend, if you hold the COCA it needs (below).
  • Elite (free) beats Starter (free) at any spend, if you hold the COCA it needs (below).
[ staking check ]
  • Standard: hold 300 COCA. Live price unavailable right now.
  • Standard+: hold 1,000 COCA. Live price unavailable right now.
  • Premium: hold 3,000 COCA. Live price unavailable right now.
  • Premium+: hold 10,000 COCA. Live price unavailable right now.
  • Elite: hold 30,000 COCA. Live price unavailable right now.

Prices from CoinGecko, updated hourly. A stake is your own money locked up, not a fee, but its value moves with the token.

TierCost per yearCashbackMonthly capFX feeHow to get itPerks
StarterFree1%—Not publishedFree to join—
StandardFree3% up to $1,000/mo, 1% above $1,000—Not publishedHold 300 COCA50% back on 1 subscription
Standard+Free4% up to $1,750/mo, 1% above $1,750—Not publishedHold 1,000 COCA50% back on 2 subscriptions
PremiumFree5% up to $2,500/mo, 1% above $2,500—Not publishedHold 3,000 COCA50% back on 2 subscriptions
Premium+Free6% up to $5,000/mo, 1% above $5,000—Not publishedHold 10,000 COCA50% back on 3 subscriptions
EliteFree8% up to $10,000/mo, 1% above $10,000—Not publishedHold 30,000 COCA50% back on 4 subscriptions

Real swipe receipt

What one purchase really costs on COCA Card, with every fee and the cashback.

[ swipe receipt ]Try a $10 coffee, a $50 dinner or a $200 hotel on COCA Card, in your own currency, and post the receipt on X.Open the receipt

What's good

  • 1% with no tokens needed
  • Up to 8% on higher tiers
  • Free ATM withdrawals up to $250 a month

Watch out for

  • Higher tiers need you to hold COCA tokens
  • FX fee not published
  • Not offered in the US

More details

Other fees
Plastic card: $5 on Starter, Standard and Standard+; free on higher tiers
Perks
Yield on your card balance (variable)
Spend from
USDT, USDC, EURC, EURS

Sources · last checked 25 Oct 2026

Terms change often. Confirm fees and availability on the official COCA site before you apply. Spotted something out of date? Tell us.

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