The COCA Card earns 1-8% cashback on a Mastercard debit card with no annual fee, available in 75 countries.
COCA is a non-custodial crypto wallet that uses Multi-Party Computation (MPC) cryptography in place of seed phrases, paired with a Mastercard debit card issued in partnership with London-based Wirex. The wallet and card combination was unveiled in January 2024 and is available across the UK, EEA, and selected APAC and LATAM markets.
The COCA Card is a crypto debit card offered by COCA, available in 75 countries. It offers 1-8% cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Starter | 1% | 0 COCA held, no monthly cap (1% flat) |
| Standard | 3% | 300 COCA held, $1K/mo cap (1% above) |
| Standard+ | 4% | 1,000 COCA held, $1.75K/mo cap (1% above) |
| Premium | 5% | 3,000 COCA held, $2.5K/mo cap (1% above) |
| Premium+ | 6% | 10,000 COCA held, $5K/mo cap (1% above) |
| Elite | 8% | 30,000 COCA held, $10K/mo cap (1% above) |
On $500/mo spend, the estimated monthly cost breakdown for COCA Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $5.00/mo cashback that nets a gain of about $5.00/mo ($60.00/yr). COCA Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Issued by Wirex (Mastercard). Supports 4 stablecoins (USDT, USDC, EURC, EURS). Balance APY via Morpho lending markets (reports suggest 6% as of mid-2026, up from 5%). 6 tiers via held (not staked) COCA token, 30-day grace period on downgrades. 50% cashback on subscriptions across 4 categories (Video, AI, Music, Marketplaces) capped at $70/service/mo. COCA token surpassed $1B FDV Jan 2026. Zero joining/annual/FX fees. $200/mo free ATM withdrawals. WARNING: Curve-based COCA Card transactions drop to 1% cashback for tiers below Premium+ (Starter/Standard/Standard+/Premium) as of April 1, 2026; Premium+ and Elite retain full tier-rate cashback on Curve transactions (per official COCA tier T&Cs). Note: spendnode review (May 2026) describes COCA as Visa, but coca.xyz/cards page explicitly states Mastercard issued by Wirex Limited (UK)/UAB Wirex (EEA); Mastercard retained per official source. Region expanded to 75 countries (Jul 2026, up from 54).
Other crypto cards in the same region or category that may suit your spending profile:
The COCA Card is a crypto debit card offered by COCA. It is available in 75 countries and allows users to spend cryptocurrency at merchants worldwide.
The COCA Card offers 1-8% cashback. There are 6 tiers: Starter (1%), Standard (3%), Standard+ (4%), Premium (5%), Premium+ (6%), Elite (8%).
The COCA Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 0%; ATM: Free up to $200/mo.
Yes. The COCA Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The COCA Card is available in 75 countries. It is NOT available in the United States.
The COCA Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the COCA Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.