The COCA Card earns 1-8% cashback on a Mastercard debit card with no annual fee, available in Europe/UK, Asia, Oceania, UAE, Africa, LATAM (NOT US/Canada).
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 Europe/UK, Asia, Oceania, UAE, Africa, LATAM (NOT US/Canada). 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. Compare more options in our regional guides for Europe, the UK, and Latin America. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Starter | 1% | No COCA staked; 1% on all spend, $15/mo rewards cap (claim capacity, unclaimed rewards carry over) |
| Standard | 3% | 300 COCA staked (about $470 locked, per the terms); 3% on all spend, $25/mo rewards cap (claim capacity, unclaimed rewards carry over) |
| Standard+ | 4% | 1,000 COCA staked (about $1,500 locked, per the terms); 4% on all spend, $35/mo rewards cap (claim capacity, unclaimed rewards carry over) |
| Premium | 5% | 3,000 COCA staked (about $4,700 locked, per the terms); 5% on all spend, $60/mo rewards cap (claim capacity, unclaimed rewards carry over) |
| Premium+ | 6% | 10,000 COCA staked (about $15,000 locked, per the terms); 6% on all spend, $140/mo rewards cap (claim capacity, unclaimed rewards carry over) |
| Elite | 8% | 30,000 COCA staked (about $47,000 locked, per the terms); 8% on all spend, $350/mo rewards cap (claim capacity, unclaimed rewards carry over) |
The COCA account includes a personal IBAN for sending and receiving EUR by SEPA transfer. EUR accounts need app version 3.0.0 or later and residence in a listed EEA country or the UK.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for COCA Card is: gas $0.00, conversion spread $0.00, flat transaction 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: the tier terms effective 1 September 2026 show 5% with no balance cap on every tier, while their section 4.1 still says a 2% rate may be applied to any amount above a cap; EUR balances do not earn APY. Basis is stated as APY. 6 tiers set by COCA staked: COCA's membership docs (docs.coca.xyz, read 2026-10-01) list the thresholds as $COCA staked, and the help.coca.xyz tier T&Cs (read 2026-09-22) state that staked COCA tokens are locked for the duration of tier membership. 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 and annual fees. FX is fee-free on direct pairs (the USD and EUR card accounts); no fee is published for other currencies. Free ATM withdrawals up to $250/mo, then 2% (coca.xyz/cards gives $200; the newer docs figure is kept). CLAIM CAPACITY (2026-10-24): the tier terms effective 1 September 2026 (help.coca.xyz, modified 12 October 2026) drop the per-tier spend caps, so every tier earns its rate on all spend, but the rewards a user can claim each month are capped at $15 (Starter), $25 (Standard), $35 (Standard+), $60 (Premium), $140 (Premium+) and $350 (Elite); unclaimed rewards carry over to the next month. COCA's older docs cashback page still says Elite pays 8% on the first $10,000 a month; the newer, binding terms are recorded. 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); the s1.2 country list read 2026-10-24 names 73. The official tier T&Cs supported-country list (s1.2, read 2026-08-30) names Australia, so the previous NOT-Australia tag was wrong; the US and Canada are absent from that list and remain unsupported.
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 Europe/UK, Asia, Oceania, UAE, Africa, LATAM (NOT US/Canada) 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% on direct pairs (USD/EUR card accounts); fee for other currencies not published; ATM: Free up to $250/mo, then 2%.
The COCA Card has the following limits: daily spending limit: EUR 30,000; monthly spending limit: EUR 30,000; daily ATM withdrawal limit: EUR 850. Limits can vary by account tier and verification level.
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 Europe/UK, Asia, Oceania, UAE, Africa, LATAM (NOT US/Canada). 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.
The COCA Card is issued by Wirex Limited (UK); UAB Wirex (EEA).
Yes, the COCA platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: yes. The COCA account includes a personal IBAN for sending and receiving EUR by SEPA transfer. EUR accounts need app version 3.0.0 or later and residence in a listed EEA country or the UK.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.