COCA Reworks Cashback as It Reports $32M in Card Spend
COCA 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.
COCA has reworked its Loyalty Program, changing how cardholders earn and claim cashback as the company reports continued growth in card usage.
COCA told CryptoCards.one that its latest internal figures show approximately $32 million in card transaction volume and around 18,000 card users since April 2026. Those company-reported figures are higher than the roughly $30 million in card spend across 14,000+ users publicly reported through Paymentscan.
The more important change for cardholders is the rewards structure.
COCA has removed the previous monthly spending caps that limited how much spend received a user's full tier cashback rate. Under the previous structure, purchases above the tier's monthly spending limit fell back to 1% cashback.
Under the new programme, the user's full tier rate continues to apply to all eligible purchases without a monthly Loyalty Program spending cap.
Instead, the constraint has moved to Monthly Claim Capacity: the amount of accumulated rewards a user can actually claim each month.
How the new cashback system works
COCA's current standard tiers are:
- Starter — 0 $COCA staked · 1% cashback · $15 monthly claim capacity
- Standard — 300 $COCA · 3% · $25
- Standard+ — 1,000 $COCA · 4% · $35
- Premium — 3,000 $COCA · 5% · $60
- Premium+ — 10,000 $COCA · 6% · $140
- Elite — 30,000 $COCA · 8% · $350
The important distinction is that Monthly Claim Capacity is not a cashback earning cap.
An Elite user, for example, can continue earning 8% cashback on eligible spending after generating $350 in rewards during the month. The additional rewards remain available to be claimed in future months rather than cashback dropping to a lower rate.
Rewards first spend 14 days pending while transactions can be checked for refunds, cancellations or fraud.
Once available, rewards can be claimed into the user's USD or EUR account subject to their remaining Monthly Claim Capacity. Claims can currently be made once every 24 hours with a $1 minimum.
Unclaimed rewards roll forward and expire 12 months after becoming claimable.
Why Monthly Claim Capacity matters
The new structure separates how much cashback a user can earn from how much they can access in a given month.
At the standard Elite tier, 8% cashback on $4,375 of eligible purchases generates $350 in rewards, matching the standard monthly Claim Capacity.
Spending beyond that amount can continue earning 8%, but the additional rewards may need to be claimed in later months.
That makes Claim Capacity particularly important for higher-spending cardholders. Cashback no longer falls back to 1% after a tier spending threshold, but users still need enough future capacity to claim accumulated rewards before they expire.
Users who qualify for a tier through a discounted staking promotion should also note that Claim Capacity is calculated from the amount of $COCA actually staked rather than the normal undiscounted tier requirement.
Staked $COCA remains locked while the tier is active. Cancelling a tier starts a 30-day cooldown before the stake can be withdrawn, and partial unstaking is not supported under the current terms.
New boosters can increase Claim Capacity
COCA is also introducing additional ways for users to increase their Monthly Claim Capacity.
The Volume Booster rewards card spending. Eligible spending during one calendar month can increase Claim Capacity for the following month.
The Tier Booster rewards users who remain continuously on a paid tier. Capacity grows at three-month milestones, with qualifying history counted from the launch of the tier system on September 1, 2025.
COCA says the Volume and Tier Boosters will become visible in the app from October, with relevant September activity already counting.
At the 12-month milestone, an Elite user with the maximum $60 Volume Booster and $40 Tier Booster would increase monthly Claim Capacity from $350 to $450.
The Tier Booster can continue growing beyond 12 months.
A third Staking Booster is also planned. COCA says every additional 100 $COCA staked will add $1 to Monthly Claim Capacity without requiring a full tier upgrade.
That feature is not yet live.
Not every reward follows the same rules
Standard Loyalty Program rewards such as purchase and subscription cashback, referral bonuses and plastic-card rebates use Monthly Claim Capacity.
APY rewards are calculated separately and do not consume Claim Capacity.
Promotional campaigns can have their own rules.
The standard Loyalty Program terms include promotional campaign rewards within the broader rewards framework, but COCA confirmed to CryptoCards.one that campaign-specific terms can override that treatment. Depending on the promotion, campaign rewards may therefore be handled separately or come with additional Claim Capacity.
Users should check the terms of individual campaigns rather than assume every temporary offer interacts with Monthly Claim Capacity in exactly the same way.
COCA reports $32M in card transaction volume
The Loyalty Program changes arrive as COCA reports increased card usage.
COCA told CryptoCards.one that its latest internal figures show approximately $32 million in card transaction volume and around 18,000 card users.
That is higher than the roughly $30 million in card spend across 14,000+ users publicly reported through Paymentscan.
CryptoCards.one has not independently reconciled the difference between the two datasets, so the $32 million and 18,000-user figures should be treated as company-reported metrics.
The cryptocards.one view
The most important change is not that COCA offers up to 8% cashback. That rate already existed.
What has changed is the relationship between earning and claiming rewards.
Previously, spending beyond a tier's monthly threshold fell back to 1% cashback. Under the new structure, eligible purchases can continue earning at the user's full tier rate, while Monthly Claim Capacity determines how quickly those rewards can actually be accessed.
That is potentially more flexible for active cardholders because rewards continue accumulating rather than dropping to the base rate once a spending threshold is reached.
The trade-off is that the headline cashback percentage now tells only part of the story. Our guide to how cashback caps work covers the same question across the rest of the market.
A user comparing COCA with another crypto card should consider the cashback rate, the amount of $COCA required for their tier, their Monthly Claim Capacity and whether their normal spending or staking can increase that capacity through the new boosters.
For higher-spending users, the key question is no longer simply:
"How much cashback can I earn this month?"
It is also:
"How quickly can I claim what I earn?"
Common questions
Does COCA still drop to 1% after a monthly spending limit?
No. Under the reworked Loyalty Program the tier's full rate applies to all eligible purchases, with no monthly Loyalty Program spending cap. The limit has moved to Monthly Claim Capacity — how much of the accumulated cashback you can claim in a given month.
What is COCA's Monthly Claim Capacity?
It is the amount of earned rewards you can claim into your USD or EUR account each month: $15 on Starter, $25 on Standard, $35 on Standard+, $60 on Premium, $140 on Premium+ and $350 on Elite. Earning continues past it; claiming is what waits.
Do unclaimed COCA rewards expire?
Rewards spend 14 days pending first, then roll forward if you cannot claim them within the month. They expire 12 months after becoming claimable, so a high spender needs enough future capacity to claim what has accumulated.
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Card figures referenced here come from each issuer's published terms and each card page shows when its data was last verified — see our methodology for how, and the changelog for what has changed since. Rewards and availability vary by region and move often. Not financial advice.