COCA · VISA

COCA Card

Name: COCA Card
Brand: COCA

Available

A Visa card with tier-based cashback tied to COCA staking and monthly reward-claim capacity.

Official website ↗Compare this card →Company and locations →

Documented terms

Plan price: Current tier terms do not state a complete recurring account fee; Starter has no COCA stake requirement
Issuance and shipping: Virtual card $0; plastic card $5, waived at Premium and above. Shipping and region-specific terms need confirmation
Per-purchase fee: Not yet verified
FX and conversion: Not yet verified
Top-ups: Not yet verified
ATM: Not yet verified
Rewards and limits: 1% Starter to 8% Elite by stake tier. Reward earning is uncapped, but monthly claim capacity is $15–$350; 14-day pending period and manual claim apply
Eligibility: Published list covers residents in Europe, Asia-Pacific, Middle East, Africa and Latin America; KYC and account approval apply
Custody: Self-custody; review permissions and settlement

Plans and costs

Your scenario

Monthly spendingSettlement currencyPeriodResidence

Eligible purchases, travel and other costs

Eligible spending (%)Spending in another currency (%)Merchants in another country (%)Monthly top-upMonthly ATM amountATM withdrawals per monthOther monthly costs (gas, small-purchase fees)

Estimate for 12 identical months. Monthly spending means total card purchases; eligible share affects rewards only. Network exchange rates, tax, volatility and external costs are excluded unless entered as extra costs. Unverified residence does not establish eligibility.

Starter USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $120.00

Still to verify or satisfy: Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

1% · above $0.00 / eligible month

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $15. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Standard USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $360.00

Still to verify or satisfy: 300 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

3% · above $0.00 / eligible month

300 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $25. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Standard+ USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $480.00

Still to verify or satisfy: 1,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

4% · above $0.00 / eligible month

1,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $35. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Premium USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $600.00

Still to verify or satisfy: 3,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

5% · above $0.00 / eligible month

3,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $60. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Premium+ USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $720.00

Still to verify or satisfy: 10,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

6% · above $0.00 / eligible month

10,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $140. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Elite USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $960.00

Still to verify or satisfy: 30,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

8% · above $0.00 / eligible month

30,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $350. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

COCA: Tier system terms and conditions ↗
Updated 1 September 2026: card-resident countries; Starter's no-stake 1% unlimited-earning tier; higher cashback rates and COCA staking thresholds; free virtual-card order and tiered plastic-card fee; monthly reward claim capacity (separate from earning); 14-day pending period, manual claims and 12-month expiry. These terms do not publish recurring card, FX, or card-conversion fees.
Checked 2026-10-07
COCA: COCA Card documentation ↗
Visa card product, wallet funding and self-custody product model; availability and applicable card terms remain subject to residence and account approval.
Checked 2026-10-04

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Guides to costs, cashback and custody →

Documented terms

Plan price

Current tier terms do not state a complete recurring account fee; Starter has no COCA stake requirement

Issuance and shipping

Virtual card $0; plastic card $5, waived at Premium and above. Shipping and region-specific terms need confirmation

Per-purchase fee

Not yet verified

FX and conversion

Not yet verified

Top-ups

Not yet verified

ATM

Not yet verified

Rewards and limits

1% Starter to 8% Elite by stake tier. Reward earning is uncapped, but monthly claim capacity is $15–$350; 14-day pending period and manual claim apply

Eligibility

Published list covers residents in Europe, Asia-Pacific, Middle East, Africa and Latin America; KYC and account approval apply

Custody

Self-custody; review permissions and settlement

Plans and costs

Your scenario

Monthly spendingSettlement currencyPeriodResidence

Eligible purchases, travel and other costs

Eligible spending (%)Spending in another currency (%)Merchants in another country (%)Monthly top-upMonthly ATM amountATM withdrawals per monthOther monthly costs (gas, small-purchase fees)

Starter USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $120.00

Still to verify or satisfy: Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

1% · above $0.00 / eligible month

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $15. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Standard USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $360.00

Still to verify or satisfy: 300 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

3% · above $0.00 / eligible month

300 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $25. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Standard+ USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $480.00

Still to verify or satisfy: 1,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

4% · above $0.00 / eligible month

1,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $35. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Premium USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $600.00

Still to verify or satisfy: 3,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

5% · above $0.00 / eligible month

3,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $60. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Premium+ USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $720.00

Still to verify or satisfy: 10,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

6% · above $0.00 / eligible month

10,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $140. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Elite USD

COCA wallet, supported stablecoin or bank funding; verify route fees in app

Net estimate unavailable

Gross rewards before costs / year; eligibility and plan terms apply: $960.00

Still to verify or satisfy: 30,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.; Annual price; Payment and conversion fee; Asset conversion fee.

Residence eligibility still needs confirmation.

Annual fee: Not yet verified
Reward asset: USD / EUR account balance

Bands, conditions and sources

8% · above $0.00 / eligible month

30,000 COCA stake; the full amount remains locked through cancellation and a 30-day cooldown.

Rewards pending 14 days; manual claim after that. Tier claim capacity is $15–$350/month; claimed rewards expire after 12 months.

Monthly claim capacity: $350. This limits claims, not reward earning.
Recurring fee, FX, top-up and ATM costs are not complete in the reviewed terms, so the calculator withholds net estimates.

COCA: Tier system terms and conditions ↗
Checked 2026-10-07

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

COCA: Tier system terms and conditions ↗

Updated 1 September 2026: card-resident countries; Starter's no-stake 1% unlimited-earning tier; higher cashback rates and COCA staking thresholds; free virtual-card order and tiered plastic-card fee; monthly reward claim capacity (separate from earning); 14-day pending period, manual claims and 12-month expiry. These terms do not publish recurring card, FX, or card-conversion fees.

Checked 2026-10-07

COCA: COCA Card documentation ↗

Visa card product, wallet funding and self-custody product model; availability and applicable card terms remain subject to residence and account approval.

Checked 2026-10-04