Our Official Verdict
DeFi Banking for the Masses: 8% Back + Yield Earning
The standard COCA card is a feature-rich masterpiece. For users who need 8% liquidity and elite-tier perks, it offers a Free monthly fee path that prioritizes user sovereignty over exchange convenience.
Overview
Neobanking for the crypto generation. Stablecoin rewards, yield on balances, and zero monthly fees.
Fees & Charges
Annual Fee
Free
FX Fee
1%
ATM Fee
2%
Requirements
Supported Regions
EEA, UK
Spendable Assets
USDC, USDT, ETH, BTC
COCA Visa Card Review
The COCA Visa Card is a non-custodial debit crypto card designed to let COCA users spend digital assets in everyday purchases.
The Challenger Debit Card for Crypto Spenders
The COCA Visa Card is positioned as a wallet-linked debit card for stablecoin spending. The issuer markets it as a simple off-ramp with rewards and subscription discounts rather than complex credit mechanics.
Spending & Mechanics: Wallet-Linked Card Rails
COCA frames the card as direct spending from a non-custodial wallet:
- Deposit: Fund the COCA wallet with supported assets (issuer-defined list).
- Spend: Transactions draw from your balance at the moment of purchase.
- Network: Global Visa acceptance.
Rewards Snapshot: Cashback + Subscription Rebates
COCA highlights two incentives in its public messaging:
- Cashback: Up to 8% (rate depends on tier and program terms).
- Subscription Rebates: Up to 50% off select subscriptions.
Treat these as caps rather than guaranteed base rates. Verify your tier, caps, and eligibility inside the COCA app before modeling ROI.
Fees and Limits: What Is Public vs. In-App
COCA does not publish a full public fee and limit table. Any fees, caps, or FX markups should be treated as issuer-disclosed in-app until a public schedule is posted.
Custody and Security Model
COCA describes the wallet as non-custodial. Review recovery options and card controls in the app before storing large balances.
What to Verify Before Applying
Because COCA keeps most details inside the app, treat the following as a checklist:
- Reward tier: Confirm your actual cashback rate and any caps.
- Subscription rebates: Verify which subscriptions qualify and any monthly limits.
- Fees and FX: Check conversion fees, FX markups, and ATM charges.
- Availability: Confirm supported countries and KYC requirements.
- Asset support: Review which assets can be spent and how conversions are handled.
Verdict
The COCA Visa Card is best for users who want a non-custodial card with potential upside from cashback and subscription discounts. The main unknown is the absence of a complete public fee schedule, so treat it as a verify-in-app product.
Fees and break-even math
Annual fee: Not disclosed; FX fee: Not disclosed; ATM fee: Not disclosed. Without a published fee schedule, break-even math depends on the tier you qualify for. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer card page.
Competitor comparison
Closest alternatives include the Crypto.com Visa Card and the Wirex Card. Compare custody model, reward caps, and FX treatment before choosing.
