debit Card•

COCA Visa Card

Name: COCA Visa Card
Brand: COCA
Availability: InStock

by COCA

The COCA Visa Card is a non-custodial, MPC-secured debit card that allows users to spend stablecoins directly from their wallet with 0% FX fees. It bridges DeFi and traditional finance by offering a high 6% APY on card balances, up to 8% cashback, and lifestyle perks without locking funds in custodial accounts.

Request Card

Official Site

COCA VISA CARD

COCA

Cashback

Up to 8%

Annual Fee

Free

FX Fee

None

Staking

None

Max Cashback

Paid in USDC, EURC, COCA

Annual Fee

Premium Perks

Available Regions

Unique Features

MPC Wallet Architecture: Eliminates seed phrase vulnerability while maintaining non-custodial control.
Dynamic Tiers: Loyalty levels are based on holding balance (Standard: 300, Premium: 3k, Elite: 30k COCA) rather than locking/staking for a fixed period.
Dual Reward System: Earns yield (APY) and cashback simultaneously.

Pros

True non-custodial (MPC) ownership of funds.
0% Foreign Exchange (FX) fees and 0% Swap fees.
High stablecoin yield (6% APY) without staking lockups.
Up to 8% cashback in real stablecoins (USDC/EURC) or COCA.
No monthly fees and low physical card cost ($5).

Cons

ATM free withdrawal limit is relatively low ($300/month).
IBAN functionality is not yet live (coming soon).
Higher cashback tiers require holding volatile $COCA tokens.

Integrations & Tech

IBAN Support

iOS App

Android App

Debit Mode

Credit Mode

IBAN: IBANs coming soon for EUR/SEPA integration.

AvailableExcludedUnknown

Available In (52)

AndorraArgentinaAustraliaAustriaBelgiumBrazil

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialPlastic

Issuance$5

ShippingFree

ReplacementFree

Tier Comparison

Base Loyalty

1% Cashback

Stake Required

Free

Issuance Fee

Free

Replacement Fee

FX Fee

0% FX

ATM Fee

Tier Perks

•APY(Earn base yield on stablecoin balance)

•Hotel Savings(Access to COCA Travel hotel deals)

Fee Structure

Annual FeeFree

Monthly FeeNone

FX FeeNone

Issuance Fee$5

Shipping FeeFree

Replacement FeeFree

Inactivity FeeNone

Crypto ConversionFree

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A

ATM Fee (Intl)N/A

Free Withdrawal Limit$300/monthly

Fee After Limit2%

Detailed Fee Structure

FX Fee0%

Detailed Limits

Spending Limits€30,000/month

Monthly

30,000 EUR

ATM LimitsFree: $300/monthly; $300/month

300 USD free per monthly

Monthly Amount

300 USD

Fee Details

0% FX fees and 0% crypto swap fees. ATM fees apply after the free monthly limit.

Limits & Conditions

ATM free withdrawal limit is stated as $300/month (approx €275) in the most recent comparison article (Nov 2025). Spending limit is €30,000/month.

Crypto Capabilities

Security & Custody

Custody ModelNon-Custodial

Wallet TypeMPC

InfrastructureWirex (Card Issuer)

Supported Assets

Chains

Ethereum

BNB Chain

Polygon

Avalanche

Arbitrum

Base

Stellar

Optimism

Tokens

USDC

USDT

EURC

EURS

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

Subscription Rebates50% cashback on Netflix, Spotify, Amazon Prime, ChatGPT.

Travel SavingsUp to 50% discount on hotel bookings via COCA Travel.

Yield6% APY on liquid stablecoin balances.

Rewards Program DetailsBase cashback is 1% (no stake). Higher tiers earn 3%, 5%, and 8%. 50% cashback on subscriptions (Netflix, Spotify, Amazon Prime, ChatGPT) is available for Standard tier and above.

Payout Frequency

monthly