Coca
Crypto Card
Coca lets users spend stablecoins globally through a non-custodial Visa card, with cashback from 1% up to 8% and 50% rebates on selected subscriptions. Note: rates above 1% need COCA tokens staked, from 300 COCA for 3% up to 30,000 COCA for 8%.
Coca is a self-banking crypto app built on smart contract wallets that users control, with no seed phrase needed, letting users spend stablecoins through a non-custodial Visa card worldwide. Users also get a personal IBAN for salary payments and SEPA transfers in EUR.
Subscription Rebates Are Limited
The 50% rebate covers one subscription per category, from 1 category on Standard up to 4 on Elite, none on Starter, and only on charges of $70 or less.
ATM Withdrawal Limits
ATM withdrawals are capped at €850 a day and €5,000 a month.
Top Rate Needs a Large Stake
The 8% rate is only for the Elite tier, which needs 30,000 COCA staked (about $47,000); the Starter tier pays 1%.
Traditional cashback programs are often limited in value and speed.
The Oobit crypto card delivers a next-generation experience, instant, global, and crypto-native.
Coca
Cashback
Up to 10%
Up to 8%
Earning
Every payment
Varies by staking tier
Timing
Instant
Not disclosed
Setup
Pay from wallet
Self-Custody
Yes
Card activation fee
Free
Virtual free; plastic $5 on lower tiers
Oobit is built for users who want 10% cashback with OOB, 5% with USDT without staking a token to unlock higher tiers — see our cashback guide for the full breakdown. That makes it a practical alternative to Coca, whose rates above 1% depend on how much COCA a user stakes.
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Questions?
Answers.
What is COCA?
COCA is a crypto and banking app that offers USD and EUR accounts, a card and a loyalty program based on its COCA token. Its card is available to residents of many countries in Europe, Asia, Africa and South America, including Argentina, Mexico and the United Kingdom, according to its loyalty program terms.
How much cashback does the COCA card give?
COCA cashback depends on your tier: 1% on Starter, 3% on Standard, 4% on Standard+, 5% on Premium, 6% on Premium+ and 8% on Elite. Every tier above Starter needs COCA tokens staked, from 300 to 30,000 COCA. How much cashback you can claim each month is also limited by your tier.
What are the COCA card tiers?
COCA has six tiers: Starter, Standard, Standard+, Premium, Premium+ and Elite. New users start on Starter with no staking. To upgrade, you stake COCA, which stays locked while you hold the tier and is only returned after cancelling and a 30 day cooldown. Higher tiers add cashback and subscription rebates.
How much does the COCA card cost?
The COCA virtual card is free on every tier. The plastic card costs $5 on Starter, Standard and Standard+, and is free from Premium up. COCA says the card works with Apple Pay and Google Pay. The Oobit card is free, and purchases have a 1% fee.
Is there a limit on COCA cashback?
COCA says the cashback you can earn is unlimited, but how much you can claim each month is capped by your tier, from $15 a month on Starter to $350 on Elite. Rewards stay pending for 14 days before you can claim them, and unclaimed rewards expire after 12 months.
What is a good COCA alternative?
Oobit is a COCA alternative if you want to pay from your own wallet without staking a token. Oobit is a self-custodial crypto card that connects to wallets such as MetaMask, Trust Wallet or Phantom, and works in store (tap to pay, Apple Pay, Google Pay) and online in 80+ countries. Oobit gives 10% cashback with OOB, 5% with USDT.
Open your treasury, hold dollars, and start paying the world.
Abre tu tesorería, guarda dólares y empieza a pagarle al mundo.
Abra seu tesouro, guarde dólares e comece a pagar o mundo.
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Oobit provides technology that enables users to spend digital assets through existing payment networks. Services are subject to regional availability and regulatory requirements. Oobit operates through multiple entities globally. Certain features may be provided by licensed partners depending on your location.
US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC. Bakkt is registered with FinCEN as a Money Services Business (MSB) and holds state money transmitter licenses.