COCA Card Review 2026

Name: COCA Card
Brand: Visa
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

4.2 / 5.0Sweepbase rating

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CustodyHybrid custody

NetworkVisa Prepaid

Cashback1%

Regions76 countries

Fees and limits

Issuance fee	Virtual free The fine print Physical $5 on Starter, Standard and Standard+, free from Premium Ordering the physical card also needs an initial top-up of about EUR 50 to cover delivery and issuance
Annual fee	Free
FX fee	0% on direct pairs (USDT/USDC to USD, EURC to EUR) The fine print Other currency pairs cost 0.5-1.5%, a figure COCA confirmed in writing on 15 Sep 2026 that is not yet on any public page and will be shown in the app
ATM limit	$250 a month free per the docs card page and the help centre, confirmed by COCA in writing on 15 Sep 2026… The fine print … (the $200 on coca.xyz/cards and the docs overview is outdated) Then 2% Caps are 850 EUR a day, 5,000 EUR a month and 5 withdrawals a day
Spending limit	30,000 EUR per purchase, per day and per month (the monthly cap equals the daily one), 75,000 EUR per quarter and 100,000 EUR per six months, all tiers

Fees change; the current ones are in COCA’s terms.

Features

Welcome bonus: 8% airdrop
Cashback: 1%
The fine print
- Tiered cashback under the Loyalty T&C: Starter 1% with no staking, Standard 3% (300 COCA staked), Standard+ 4% (1,000), Premium 5% (3,000), Premium+ 6% (10,000), Elite 8% (30,000, about $47,000 per the T&C)
- Every rate applies to unlimited spend ("The amount of rewards you can earn is unlimited"; "There's no limitations on the amount of payments which can earn cashback")
- The older monthly spending caps (Elite 8% on the first $10,000, then 1%) were removed
- What you can withdraw is capped by the Monthly Claim Capacity of $15, $25, $35, $60, $140 and $350 a month by tier
- COCA's September 2026 update adds a Payment Booster (more card spend raises next month's capacity) and a Loyalty Booster (capacity grows every 3 months on a paid tier), which together can lift capacity to $450 a month, plus a Staking Booster that adds $1 of capacity per extra 100 COCA staked
- Rewards pend for 14 days, unclaimed rewards roll over and expire 12 months after becoming claimable
- Tiers above Starter require staking, and staked tokens come back only after cancelling the tier and a 30-day cooldown
- Payments routed through Curve earn a flat 1% below Premium+ (since 1 Apr 2026)
- Without staking, the card earns 1%
Custody: Hybrid custody
The fine print
- … the Banking Account is a smart contract wallet the holder controls, and the card authorises against it per transaction rather than against a preloaded issuer balance
- The card rail is a prepaid Visa product
- coca.xyz/cards still says the cards are "issued in partnership with Wirex" and footnotes a Wirex prepaid Mastercard, a line COCA calls outdated, and no current COCA document names the issuer of the Visa card
KYC: Yes
Card type: Virtual + Physical
Top up with: USDT, USDC, EURC (stablecoins only) on 16 networks per COCA's deposit list of 15 Sep 2026
Full list
The help centre's card-order article of 29 Jul 2026 still shows an older list that includes EURS
Available countries: Andorra, Argentina, Australia, Austria, Azerbaijan, Belgium, Brazil, Bulgaria, Chile, Colombia, Croatia, Cyprus…
Full list
… Czechia, Denmark, Ecuador, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Gibraltar, Greece, Guernsey, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, Kazakhstan, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Malta, Mexico, Moldova, Monaco, Montenegro, Netherlands, New Zealand, Nigeria, Norway, Oman, Panama, Peru, Philippines, Poland, Portugal, Romania, Saudi Arabia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, Uzbekistan, Vietnam

Who issues the COCA Card

COCA Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Wirex Limited, UK (FCA FRN 902025) (Mastercard Principal Member direct (since July 2020); Visa Principal Member per the Wirex litepaper), inferred from the program manager and not stated by the issuer itself. The cards-page footnote names Wirex Limited (UK) or UAB Wirex (EEA) as issuer of "a prepaid Mastercard"; COCA told us in writing on 15 September 2026 that the current card is a prepaid Visa and that this footnote is outdated. No public COCA document names the issuer of the Visa card.

Primary source · All cards issued by Wirex Limited · Why the issuer matters

Supported cryptocurrencies

You can load the COCA Card with crypto; the 2 assets we track for it are listed below.

Networks & deposit details: USDC: NEAR, Ethereum, Arbitrum, Base, Solana, Gnosis, Polygon, Optimism, Avalanche, Sui, Stellar, Monad, X Layer

The fine print

USDT: NEAR, Ethereum, Tron, Solana, Gnosis, Polygon, Optimism, Avalanche, TON, Scroll
EURC: Base, Ethereum, Optimism, Solana (COCA's deposit-network list, confirmed in writing 15 Sep 2026; the help centre's card-order article of 29 Jul 2026 still shows an older list that includes EURS)

USDTTetherUSDCUSD Coin

Pros and cons

Pros

✓
Up to 8% cashback plus 50% back on one subscription per category from the Standard tier (charges up to $70)
The fine print
- 5% APY on the USD balance with no lock-up and no cap
- 0% FX on direct pairs (USD and EUR)
- Apple Pay and Google Pay directly
- Personal IBAN with SEPA in 28 European countries
No card issuance fee
No annual maintenance fee
Welcome bonus: 8% airdrop
Multi-chain top-up across 12+ networks

Cons

✗
Crypto top-ups are stablecoins only
The fine print
- Cashback above 1% needs staked COCA and withdrawals are capped at $15 to $350 a month by tier
- The wallet is yours but the card rail is a prepaid product whose issuer COCA does not name
- Not available in the US or Canada
- The docs, the card-cashback FAQ and the coca.xyz/cards footnote still carry older terms (monthly cashback allowances, APY tier caps, Mastercard via Wirex) that COCA says are outdated

Regional availability

Available in 76 countries

76 countries per the Loyalty T&C: Europe, Asia, Oceania, the Middle East, Africa and South America; NOT US/Canada.

Card overview

COCA is a prepaid Visa paid from a smart wallet you control, with no seed phrase. COCA confirmed in writing on September 15, 2026 that the current card is a Visa; Mastercard cards went out before and during the first half of 2025, and the footnote on its cards page that still names a prepaid Mastercard from Wirex is, by COCA's own account, outdated. What no COCA page says is who issues the Visa, and no cardholder agreement is published.

The FAQ on the cards page also tells you to top up a separate card account, while the docs say the Banking Account is the wallet and only the authorised amount moves at settlement. We print both. The wallet is no-KYC, but ordering the card is not: full identity verification is required. The "up to 8% cashback" headline means staking (locking) 30,000 COCA to reach Elite, about $47,000 of a volatile token by COCA's own estimate.

The terms of September 1, 2026 print every tier rate as unlimited, and the older monthly spending caps (Elite 8% on the first $10,000, then 1%) were removed; the number that binds is the withdrawal cap in those terms: $15 a month at Starter, then $25, $35, $60 and $140 through the middle tiers, and $350 at Elite, with unclaimed rewards expiring after 12 months. Tiers run from Starter (1%, no staking) through 300, 1,000, 3,000, 10,000 and 30,000 staked COCA, and getting tokens back means cancelling the tier and waiting 30 days.

Apple Pay and Google Pay work directly; the help article that routes them through Curve describes the 2025 setup. On fees: 0% FX on direct pairs, meaning a USD balance spent in dollars or a EUR balance spent in euros, while other currencies cost 0.5-1.5%, a figure COCA confirmed to us in writing but has not yet put on a public page. The virtual card is free, there is no monthly or annual fee, and ATM withdrawals are free up to $250 a month, then 2% (the $200 on the cards page is outdated, per COCA).

The physical card is $5 on Starter, Standard and Standard+, free from Premium, plus an initial top-up of about EUR 50 to cover delivery. On-balance yield is 5% APY on USD with no cap, and nothing on EUR; the tier caps in the docs table are outdated, per COCA. The personal IBAN comes only to residents of 28 European countries. The referral programme is back (terms of October 26, 2026): $10 for the referred user and $20 for the referrer once the friend spends $100 at three merchants.

New users who join between November 2 and 30, 2026 also get 8% on their first three purchases, capped at $24. Top-ups are USDT, USDC and EURC on 16 networks. Available in 76 countries across Europe, Asia, Oceania, the Middle East, Africa and South America. US and Canadian residents are out.

Best fit: holders outside North America who spend mostly in euros or dollars and want the smart wallet
Wrong card if: you want the advertised 8% without staking, spend mostly in a third currency, or live in the US

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Network first. As of 15 September 2026 we list this card as a prepaid Visa. COCA's homepage sells the "COCA Visa Card", the sign-up page says to use it "anywhere Visa is accepted", the documentation calls it "A Visa card", and COCA's affiliate team confirmed in writing on 15 September 2026 that the current card is a prepaid Visa; Mastercard cards were issued before and during the first half of 2025, some existing users still hold them, and COCA is moving them to the Visa.
The footnote on coca.xyz/cards still says the cards "are a prepaid Mastercard issued by Wirex Limited (in the UK), a principal member of Mastercard or UAB Wirex (in the EEA)", a sentence archived snapshots show unchanged since July 2024; COCA says that line is outdated and goes with its new website. That leaves a gap: no public COCA document names the issuer of the Visa card, and no cardholder agreement is published, so our issuer directory keeps the Wirex footnote as a circumstantial attribution only.
COCA publishes an 8% cashback rate at the Elite tier, which requires staking 30,000 COCA tokens. At the token's current small-cap price that commitment is real money and the rate can move against you overnight. The Loyalty T&C of 1 September 2026 print every tier rate as unlimited, and COCA confirmed on 15 September that the monthly allowances still shown in the docs and the card-cashback FAQ (Elite 8% on the first $10,000, then 1%) are outdated; the binding number is the Monthly Claim Capacity in the same terms, which caps withdrawals at $15 a month at Starter and $350 at Elite.
Tiers above Starter need staked COCA with a 30-day cooldown; the FAQ line saying tiers activate on a token balance alone is outdated too, per COCA. The T&C list 76 countries across Europe, Asia, Oceania, the Middle East, Africa and South America, and COCA says "more than 76"; the docs overview still says 54 and includes Singapore, which the T&C do not. Not available in the US or Canada. The $10 for $500 of spend that aggregators still quote was the friend side of a referral deal that changed on 1 May 2026.
The referral programme was paused from 26 August 2026 and is back under terms last updated on 26 October 2026: $10 for the referred user and $20 for the referrer, once the friend orders a card and spends $100 across 3 payments at 3 different merchants within 30 days. From 2 to 30 November 2026 new users also get 8% cashback on their first 3 purchases, on at most $300 of spend, which caps that bonus at $24. COCA's post announcing it says "Nothing to stake. Nothing to pay.", which is accurate; the $24 cap is only in the terms.
Physical card is $5 on Starter, Standard and Standard+, free from Premium. Apple Pay and Google Pay are supported directly; the help-centre article that routes both through a linked Curve card describes the 2025 setup. Free ATM withdrawals are $250 a month, then 2%; the $200 on coca.xyz/cards is outdated. I tested the Premium tier in Spain in March 2026 and the 6% APY on balance paid out cleanly.
The terms now put the rate at 5% on USD balances with no cap (COCA confirmed that the tier caps in the docs table are outdated), and EUR balances earn nothing. FX is 0% on direct pairs, meaning a USD balance spent in dollars or a EUR balance spent in euros; every other currency goes through a conversion that COCA prices at 0.5-1.5%, a figure it confirmed to us in writing and says will show in the app before it appears on any public page. The 50% rebate on Netflix, Spotify, Amazon Prime, and ChatGPT is a genuine perk if you use those services.
Crypto top-ups are stablecoins only: USDC on 13 networks, USDT on 10 and EURC on 4 per COCA's list of 15 September 2026, with more promised. Correction of 9 September 2026: this card was filed as custodial on the strength of that Wirex prepaid line, and COCA's own documentation contradicts it. docs.coca.xyz states that the Banking Account "is actually a blockchain smart wallet that you control", that the wallet "approves that specific amount for that specific payment", and that "Only the authorized amount is moved for settlement".
That is authorisation at the till against a wallet the holder keeps, not a balance preloaded at the issuer, so it is now listed as hybrid: the wallet side belongs to the holder, the card rail is still a prepaid product, and who issues it is the open question above. One thing on their own site still disagrees: the FAQ on coca.xyz/cards tells you to "choose the account to top up" and make a "direct deposit from your COCA Wallet", which reads as a card account held apart from the wallet.
Wallet infrastructure is named as Privy with no seed phrase to record, and the word MPC appears on the marketing pages and in one older help article but nowhere in the documentation. Read live 9 September 2026; network, fees, tiers, yield, bonuses, top-up networks and country list re-read 15 September 2026 and checked against written answers from COCA's affiliate team the same day; referral terms and the November promotion re-read 4 November 2026.

What we saw in the app

Taken in our own account. It shows the app screen on that day, not a purchase we made with the card.

The Stake screen, 3 Oct 2026: ETH at 2.60%. The 5% USD rate lives on the balance itself.

Read our guideYield crypto cards: where the wallet earns in DeFi, card by card

Common questions about the COCA Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the COCA Card?

The COCA Card charges no annual fee and no issuance fee (virtual). FX fee: 0% on direct pairs (USDT/USDC to USD, EURC to EUR).

Is the COCA Card legit, and who is behind it?

Partly documented: COCA Card does not name its issuer outright, and on the documents we could reach the sponsor appears to be Wirex Limited, UK (FCA FRN 902025), inferred from the program manager rather than stated by the issuer. The cards-page footnote names Wirex Limited (UK) or UAB Wirex (EEA) as issuer of "a prepaid Mastercard". COCA told us in writing on 15 September 2026 that the current card is a prepaid Visa and that this footnote is outdated. No public COCA document names the issuer of the Visa card.

Is the COCA Card worth it?

Best fit for the COCA Card: holders outside North America who spend mostly in euros or dollars and want the smart wallet. Wrong card if you want the advertised 8% without staking, spend mostly in a third currency, or live in the US. The advertised cashback is 1%.

How does the COCA Card cashback work?

Tiered cashback under the Loyalty T&C: Starter 1% with no staking, Standard 3% (300 COCA staked), Standard+ 4% (1,000), Premium 5% (3,000), Premium+ 6% (10,000), Elite 8% (30,000, about $47,000 per the T&C). Every rate applies to unlimited spend ("The amount of rewards you can earn is unlimited"; "There's no limitations on the amount of payments which can earn cashback").

Where is the COCA Card available?

76 countries per the Loyalty T&C: Europe, Asia, Oceania, the Middle East, Africa and South America. NOT US/Canada.

What cryptocurrencies does the COCA Card support?

You can fund the COCA Card with: USDT, USDC, EURC (stablecoins only) on 16 networks per COCA's deposit list of 15 Sep 2026; the help centre's card-order article of 29 Jul 2026 still shows an older list that includes EURS.