COCA Visa Card Elite
by COCA
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
A top-tier crypto card for heavy spenders, with 8% cashback and unlimited stablecoin yield. Access depends on staking a large amount of the COCA token.
What we like
- +8% cashback on the first $10,000 of monthly spend
- +Unlimited 6% APY on stablecoin balances
- +50% rebates in 4 subscription categories
- +Priority customer support
Watch out for
- −Needs 30,000 COCA staked
- −Mandatory 30-day unstaking wait
- −Exposed to COCA token price swings
- −Not available to US residents
6.1/10
Editor score
Fair
Lv 4
KYC Level
Full KYC
Global
Availability
1 countries excluded
Card Overview
Rewards
- Cashback
- 8%
- Cashback Crypto
- COCA
- Staking Rewards
- Staking APR
- —
- Welcome Bonus
- $10
- Referral Bonus
- $10
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2%
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $32,400
- Monthly Spend
- $32,400
- ATM Withdrawal
- $918
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
5.7/10
Sourced from
Crypto-native users praise the non-custodial MPC design, the stablecoin-paid 8% cashback (capped at $10,000 of monthly spend) and smooth Apple Pay and Google Pay setup. The numbers are very strong, with up to $9,600 a year in cashback plus subscription rebates and 5-6% APY. Problems come from operations: KYC freezes lasting several weeks, V3.0 migration bugs that made transaction histories disappear, unresolved merchant refunds and an understaffed support queue. The required 30,000 $COCA stake adds token price risk, and some regions, such as the Caucasus, are excluded. Feedback is admiring of the rewards but held back by reliability.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Base, Polygon
Frequently asked questions
Does the COCA Visa Card Elite require KYC?
Yes. COCA asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the COCA Visa Card Elite charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the COCA Visa Card Elite work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the COCA Visa Card Elite?
It is available in most countries, except United States.
Which cryptocurrencies does the COCA Visa Card Elite support?
USDC, USDT, ETH, BTC, EURC, COCA.
Last updated August 19, 2026, verified August 6, 2026.