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DEBIT · VISANo annual fee

COCA Visa Card

by COCA · Europe: Andorra, Austria, Belgium, Bulgaria…

Non-custodial MPC-secured debit card spending stablecoins directly from your wallet with 0% FX fees. Earns up to 8% cashback. Offers 5% APY on card balances. Bridges DeFi and traditional finance without locking funds in custodial accounts.

Terms checked August 22, 2026·Referral link, see our affiliate disclosure
DEBITCOCA Visa Card logo
COCA VISA CARD
Visa
MAX REWARD
Up to 8%
ENTRY PRICE
Free
BASE FX FEE
0%
KEY FACTS

The card at a glance

CARD TYPE
Debit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
Up to 8%
Up to 8% cashback on all purchases. 50% cashback on Claude AI, Spotify, Netflix, and more. 5% APY on card balance, no lockups, no staking. Up to 65% off hotels worldwide
REWARDS IN
EUR, USD
How rewards are paid
FX FEE
0%
On foreign-currency spend
REGION
Europe: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom. Asia / Oceania / Middle East: Australia, Azerbaijan, Georgia, Hong Kong, Indonesia, Israel, Japan, Kazakhstan, Macao, Malaysia, New Zealand, Oman, Philippines, Saudi Arabia, South Korea, Taiwan, Thailand, Turkey, United Arab Emirates, Uzbekistan, Vietnam. Africa: Ghana, Kenya, Nigeria, South Africa, Uganda. South America: Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru.
Where it's available
STAKING
The COCA Loyalty Program is based on $COCA staking. The more $COCA users stake, the better perks they unlock.
Lock-up to earn rewards
CUSTODY
Self-custody
You hold the keys
REWARDS

Earning Up to 8%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to Up to 8%, up to 8% cashback on all purchases. 50% cashback on claude ai, spotify, netflix, and more. 5% apy on card balance, no lockups, no staking. up to 65% off hotels worldwide, paid in EUR, USD. No staking required for the base rate.

PLANS & TIERS

Compare the plans

This card has 6 plans. Select one to see its rate, fees and perks.

Starter
Requirement: Free
1% Unlimited
Cashback
PRICE
Free
ATM FEE
2% After $250
WHAT'S INCLUDED
✓Virtual free, Plastic $5 (Basic)
✓Balance APY: 5% on first $5,000,
✓Balance APY: 2% After $5,000,
✓Subscription Rebate (50%): None
PlanStarterStandardStandard+PremiumPremium+Elite
Cashback1% Unlimited3% on first $1,000/mo, then 1%4% on first $1,750/mo, then 1%5% on first $2,500/mo, then 1%6% on first $5,000/mo, then 1%8% on first $10,000/mo, then 1%
PriceFree$COCA Staked : 300$COCA Staked : 1000$COCA Staked : 3000$COCA Staked : 10,000$COCA Staked : 30,000
ATM fee2% After $2502% After $2502% After $2502% After $2502% After $2502% After $250
FX fee——————
RequirementFree$COCA Staked : 300$COCA Staked : 1000$COCA Staked : 3000$COCA Staked : 10,000$COCA Staked : 30,000
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0%
ATM withdrawal
Cash withdrawal cost
Free for up to $250, then 2%
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Virtual card — Free Physical card — $5 for Starter–Standard+ tiers; Free for Premium–Elite tiers

ℹ️ Up to 8% cashback on all purchases. 50% cashback on Claude AI, Spotify, Netflix, and more. 5% APY on card balance, no lockups, no staking. Up to 65% off hotels worldwide

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF
✓Non-custodial self-custody
✓0% FX fees
✓Up to 8% cashback
✓5% APY on balance
✓Apple Pay and Google Pay
LOOK ELSEWHERE IF
!Global but some regions restricted
!Cashback rates depend on tier
STANDOUT FEATURES

What sets it apart

✦MPC-secured non-custodial wallet
✦6% APY on card balance
✦DeFi-to-traditional finance bridge
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the COCA Visa Card?
+
Does the COCA Visa Card have an annual fee?
+
Do I need to stake anything to earn rewards?
+
How much can I earn with the COCA Visa Card?
+
Does it work with Apple Pay and Google Pay?
+
Is this a self-custody card?
+

Figures on this page come from COCA's published card terms and were verified on August 22, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.

COCA
Up to 8%
No annual fee · 0% FX
Apply now →
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REGIONS
EUUnited StatesUKBrazilSwitzerlandMexicoArgentinaAustralia

1 Reward rates are the issuer's published maximum. Reaching them can require a staking tier, a spending category or a monthly cap.

2 FX and ATM fees are taken from each issuer's fee schedule and re-checked weekly. Regional variants may differ.

3 Some issuers pay us a referral fee. It never changes the ranking. Read our methodology.

© 2026 Cryptocards.oneTermsPrivacyAffiliate disclosure
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Not financial advice. Crypto involves risk, including loss of capital. Terms vary by region, verify with each issuer.