COCA Visa Card
Non-custodial MPC-secured debit card spending stablecoins directly from your wallet with 0% FX fees. Earn up to 8% cashback depending on tier. Offers up to 5% APY on card balances, with rates and limits varying by tier. Bridges DeFi and traditional finance without locking funds in custodial accounts.
Is the COCA Visa Card worth it?
The COCA Visa Card is a debit card on Visa, paying up to 8% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 8% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
- you want your crypto to stay in your own wallet until you spend it
How we rate the COCA Visa Card
- Cost25%4.5 / 5
No annual or monthly fee, 0% FX, a free virtual card and $250/month of free ATM withdrawals. The physical card is $5 on lower tiers.
- Conditions25%4.0 / 5
The Starter rate needs nothing. But the advertised 8% needs 30,000 $COCA staked — more than four times the rate we score.
- Rewards25%3.0 / 5
Starter pays 1%, capped at $15/month. Higher tiers need $COCA staked and locked for as long as you hold the tier (cancelling starts a 30-day cooldown), so they aren't counted. Balance interest isn't included.
- Reliability25%3.0 / 5
There is a documented current terms framework, Visa card infrastructure, and a self-controlled wallet architecture. But COCA is less established than the major card ecosystems, and its terms explicitly allow the loyalty program to be modified, suspended, or terminated.
COCA is a strong low-cost self-custody card with an unusually attractive rewards ceiling, but its substantial staking ladder and monthly cashback claim-capacity system make the headline rewards less accessible than they first appear. The free Starter tier is compelling, while the higher tiers are best suited to users already comfortable holding significant $COCA.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
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.
Up to 8%, paid in EUR, USD. No staking required for the base rate.
- Cashback depends on tier: 1% on the free Starter tier, rising to 8% on Elite.
- The tier rate applies to all eligible spending — COCA removed the monthly spending caps that previously dropped purchases to 1% past a threshold.
- What is capped is claiming: Monthly Claim Capacity is $15 on Starter, $25 Standard, $35 Standard+, $60 Premium, $140 Premium+ and $350 Elite.
- Rewards above that keep accruing and roll into later months, expiring 12 months after they become claimable.
- Rewards are pending for 14 days first.
- 50% cashback on selected subscriptions and services.
- Up to 5% APY on card balance, with rates varying by tier and balance, which does not consume Claim Capacity.
- Up to 65% off hotels worldwide
Compare the plans
This card has 6 plans. Select one to see its rate, fees and perks.
Fees you'll actually meet
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available.
No limit on the number of purchases per day on Visa cards.
How much cash you can take out
Each period caps both the number of withdrawals and their total value — you reach whichever comes first. One set of limits applies wherever the card is available.
Strengths and trade-offs
WORKS FOR YOU IF
- Non-custodial self-custody
- 0% FX fees
- Up to 8% cashback
- Up to 5% APY on balance
- Apple Pay and Google Pay
LOOK ELSEWHERE IF
- Card available only to residents of COCA's supported countries (in Europe, Asia-Pacific and Latin America)
- Cashback rates depend on tier
- Cashback is claimable only up to a monthly Claim Capacity; the rest waits for later months
- Higher tiers need $COCA staked and locked; cancelling starts a 30-day cooldown
What sets it apart
- MPC-secured non-custodial wallet
- Up to 5% APY on card balance
- DeFi-to-traditional finance bridge
Latest news & analysis
- NEWS · COCA Reworks Cashback as It Reports $32M in Card SpendCOCA has removed the monthly spending caps from its tiers. The limit now sits on how much cashback you can claim each month, not how much you can earn.
- NEWS · What Changes for Crypto Cards on 1 October 2026Four things land within a week: MEXC's 1% fee returns, Crypto.com adds FX fees in Europe and the UK, Gnosis Pay stops new cards, and COCA's Apple offer ends.
- GUIDE · Staking for Cashback: When Locking Tokens Pays OffMost big cashback rates need you to buy and lock the issuer's token. Here is the arithmetic that tells you whether a staking tier pays for itself — and the risk the arithmetic leaves out.
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 October 3, 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.
- NEWSSolid Adds a Euro Balance: No FX Fee on Euro Purchases for Wirex-Issued Cards
- NEWSTangem Pay Launches Physical Cards: Delivery Fees, Card Limits and ATM Costs
- NEWSKAST Waives Its FX Fee on 16 Latin American Currencies Until the End of 2027
- GUIDEWhy “up to 10%” usually means less — cashback caps explained
- FAQCan you book a hotel with a crypto card?
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