COCA Card Review 2026
Last updated: by the
Last updated: by the
COCA Card delivers industry-leading rewards with up to 8% cashback and 50% rebates on Netflix, Spotify, Amazon Prime, and ChatGPT subscriptions—all with zero annual fees. Earn 6% APY on your card balance while spending stablecoins at 50+ million Mastercard merchants across 48 countries. Powered by MPC security across 14 blockchains, COCA bridges DeFi yields with everyday spending for the ultimate stablecoin spending experience.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe. Available in the UK.
| Issuance Fee | Virtual Free; Physical €20 (free for Premium/Elite) |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% FX fees; ~0.5% spread on conversion |
| ATM Limit | $250/month free, then 2% |
| Spending Limit | €30000/day all tiers |
The COCA Card allows you to top up and spend using 2 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The COCA Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Up to 8% (tiered: 1-8% based on COCA staking) cashback on eligible purchases, the COCA Card rewards active spenders who use the card as their daily driver.
The card is currently available in 48 countries: Europe, Asia-Pacific, Latin America; NOT US/Canada — ideal for residents and frequent travellers in those areas.
Compare the COCA Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the COCA Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official COCA website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. COCA processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USDT, USDC, EURC, EURS across 14 blockchains (stablecoins only) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual COCA Card is available immediately in the COCA app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Across the EEA
The COCA Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
