COCA CARD Every Purchase Pay You Back
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 300 $COCA |
| CASHBACK | 3% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 1,000 $COCA |
| CASHBACK | 4% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 3,000 $COCA |
| CASHBACK | 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 10,000 $COCA |
| CASHBACK | 6% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $30,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 30,000 $COCA |
| CASHBACK | 8% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $30,000 |
Cashback is NOT instant. All rewards are distributed once per month. The app may display estimated earnings before that, but actual payout only happens on payout day.
$COCA staking is a one-way cost. Staked tokens earn zero yield, they solely unlock tier benefits. There is a mandatory 30-day cooldown.
Subscription rebates follow a first-come-first-served rule. Only the first subscription paid per category per month gets the 50% rebate. Pay Spotify before Netflix in the Streaming category, and Spotify gets the rebate, Netflix earns standard cashback. Per-transaction cap: $70.
ATM free limit dropped from $250 to $200/month. After $200 in withdrawals, every ATM transaction costs 2% with no cap. Daily ATM cap is 850 EUR / 5 withdrawals.
THE REAL STORY ON THIS CARD.
- True non-custodial MPC wallet via Privy
- High cashback (up to 8%) with transparent monthly allowances and stablecoin payouts
- 50% rebate on popular subscriptions (Netflix, Spotify, ChatGPT, Amazon Prime, Disney+, Midjourney)
- 5% APY on USD balance with real-time accrual, no lock-ups
- Free virtual card for all tiers; free plastic for Premium+
- Apple Pay and Google Pay integration
- EUR IBAN for SEPA transfers (salary, payments)
- Free ATM withdrawals up to $200/month
- 0% FX on direct pairs
- Available across ~70 countries including EEA, Asia, LATAM, Africa, Middle East
- Higher cashback tiers require significant $COCA token holdings (up to $47K for Elite), tokens are locked
- Monthly spending cap per tier (excess spending drops to 1%)
- EUR balances earn zero APY (USD only)
- Plastic card costs $5 for Starter, Standard, Standard+
- 30-day cooldown to unstake $COCA and cancel tier
- Cashback excludes PayPal, Revolut, Wise, Venmo, and 40+ MCC codes
- Card not available in US or Canada
- KYC required for card activation
GENERAL QUESTIONS.
Our advanced routing engine scans, compares, and delivers unbeatable crypto prices by leveraging 17 onramps and 182 local payment methods. This ensures you always get the best rates when trading or converting your cryptocurrency.
COCA Wallet offers both physical and virtual cards allowing you to spend your stablecoins and cryptocurrency at over 40 million merchants across 200+ countries. The non-custodial nature ensures that you have zero third-party risks and complete control over your funds at all times.
Our Virtual and Physical Cards are currently available in the UK, EEA, and various countries across APAC, LATAM, and other regions, with plans to expand further soon. Want to check availability in your area? Simply open the app to find out!
Each tier offers a higher cashback rate on eligible purchases up to a monthly spending limit. After that limit, all additional spending earns 1% cashback. (See tier details for exact caps.)
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