COCA Card 
Up to 8% cashback on stablecoin spending with zero FX fees
Status: Live
Issued by Coca
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Card Overview
Custody Type
non-custodial
Card Type
Debit Card
Material
Virtual & Plastic
KYC
Standard
● UP TO 8% CASHBACK ● MULTIPLE TIERS ● 0% FX FEE ● LOW ATM LIMIT ● MULTI BLOCKCHAIN SUPPORT
Pros
Up to 8% cashback on purchases
Zero annual fee and zero FX fees
Free ATM withdrawals up to $250/month
6% APY on stablecoin balances
Non-custodial MPC security
50% rebates on popular subscriptions
Google Pay and Apple Pay support
High €30,000 daily spending limit
COCA Travel hotel discounts up to 50%
Cons
Stablecoin only (USDT, USDC, EURC, EURS)
Apple Pay requires Curve workaround
Vendor lock-in due to MPC wallet design
Manual conversion required before spending
App bugs reported by users
Physical card costs €20 for Starter and Standard tiers
Card issued in partnership with Wirex. Prepaid Mastercard. Stablecoin-native card with automatic crypto-to-fiat conversion at point of sale. Available via COCA Wallet app (iOS/Android). Tier benefits based on COCA token balance held in wallet.
Rewards & Staking
Max Cashback
8%
On eligible purchases
Reward Token
USDC, EURC, COCA
Paid out in USDC, EURC, COCA
Staking APY
N/A
On staked assets
Reward specifics
Boost Multiplier N/A
Monthly Cap Tier-based: $1,000/mo (Standard), $2,500/mo (Premium), $10,000/mo (Elite)
Payout Frequency N/A
Welcome Bonus None
Referral Bonus $10 for both referrer and referee
Bonus APR N/A
Bonus Token N/A
Staking & Requirements
Required Token COCA
Min Stake Amount 250 (Standard) to 5,000 (Elite)
Fiat Value Req N/A
Lock-up Period No lock-up (flexible)
Downgrade Penalty Tier downgrade if COCA balance drops below tier minimum
Merchant Rebates
Netflix
Up to $6.99/mo (Elite tier)
Spotify
Up to $4.99/mo (Elite tier)
ChatGPT
Up to $9.99/mo (Elite tier)
Amazon Prime
Up to $7.49/mo (Elite tier)
Supported Assets
Chains
Tokens
Card Options
Virtual Card: Instant digital issuanceVirtual Card
Issuance Free
Replacement N/A
Physical Card
Material Plastic
Issuance €20 (Starter & Standard tiers)
Shipping Free
Replacement N/A
Lifestyle & Perks
Discounted
Airport Lounge
Elite tier benefit
Not Offered
Crypto Events Shuttle
Not Offered
Airport Transfers
Not Offered
Priority Boarding
Not Offered
Esim
Discounted
Concierge Services
Elite tier benefit
Not Offered
Golf Access
Not Offered
Fitness Membership
Not Offered
Exclusive Club
Not Offered
Exclusive Merch
Not Offered
Nft Drops
Discounted
Crypto Token Deals
COCA token holder deals
Fees & Limits
Fee Schedule
Fee Structure Forever Free
FX Fee 0%
ATM Withdrawal Free up to $250/month, 2% thereafter
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit 2%
Inactivity Fee €5/month after 12 months inactivity
Top Up Fee Free
Liquidation Fee Free
Custody Fee None
Usage Limits & requirements
Daily Spend Limit €30,000
Monthly Spend Limit €30,000
ATM Withdrawal Limit €500/day
Free ATM Limit $250/month
Max Balance €30,000
Min Balance €0
Top Up Limits €10 - €30,000
Technical Features
Integrations
Contactless
Security
2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking
App & Usability
Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator
Advanced & Global
Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details
Crypto Capabilities
Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring
Banking & On-Ramp
Banking Features
Virtual Bank Account No
Account Type N/A
Direct Deposit No
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No
Funding & Withdrawals
On Ramp
AvailableFunding Options
Card Payment
On-Ramp Fees
Free
Off Ramp
AvailableOff-Ramp Options
Bank Transfer Card Payout
Stablecoin Offramp
Supported Stablecoins
USDT, USDC, EURC, EURS
Off-Ramp Fees
Free
Operations & Support
Support Channels
Support Tier standard
Support Type Live Chat, Email
Hours 24/7
Dedicated Manager No
Response SLA <24 hours
Geographic Availability
KYC Requirements
StandardEmail ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Not Required
Geographic Availability
Available
Not available
52
countries
View country list (52 countries)
AndorraArgentinaAustraliaAustriaBelgiumBrazilBulgariaChileColombiaCroatiaCyprusCzech RepublicDenmarkEcuadorEstoniaFinlandFranceGermanyGibraltarGreeceHong KongHungaryIcelandIndonesiaIrelandItalyLatviaLithuaniaLuxembourgMalaysiaMaltaMexicoMonacoMontenegroNetherlandsNew ZealandNorwayPeruPhilippinesPolandPortugalRomaniaSingaporeSlovakiaSloveniaSpainSwedenSwitzerlandTaiwanThailandUnited KingdomVietnam
Markets where this card can be used. Hover red regions for the restriction reason.
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Community
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Frequently asked questions about COCA Card
Direct answers to the questions people ask most before they compare or apply for this card.
Review the official legal details for COCA Card on their website.
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