COCACoca
70
Side-by-side card comparison
Coca vs Decaf
Coca Card has the higher Overall Score by 6 points (70 vs 64). Coca Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202633 official sources reviewed
Coca Card
Best fit
- Combining USD/EUR banking, stablecoin funding and everyday Visa spending.
- Starting with 1% stablecoin cashback without staking COCA on Starter.
- Occasional cash withdrawals within the $250 monthly provider-fee allowance.
Before you choose
- Starter's $15 monthly claim capacity is shared across rewards, not just cashback.
- Higher tiers require COCA staking and a cooldown when reducing the tier.
- The 5% balance APY is variable and capped by tier; EUR balances earn no APY.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsCoca CardOverall70Decaf CardOverall64
Coca CardOverall70Decaf CardOverall64Scores
- Overall Score
- Coca Card70Decaf Card64
- Cashback score
- Coca Card43Decaf Card29
- Travel score
- Coca Card82Decaf Card60
- Funds control score
- Coca Card85Decaf Card63
- Lowest fees score
- Coca Card63Decaf Card57
- Transfers score
- Coca Card87Decaf Card70
Costs
- Plan cost
- Coca Card$0Decaf Card$0
- FX fee
- Coca Card0% on direct pairsDecaf Card1–2%
- Top-up fee
- Coca CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Coca CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Coca Card0–2%Decaf Card0% Decaf markup
- Virtual card
- Coca CardVirtual card free for all tiersDecaf Card$5
- Physical card
- Coca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/EliteDecaf Card$90 international / $10 US
Plans
- Available plans
- Coca Card6 plans: Starter, Standard, Standard+, Premium +2Decaf CardNot disclosed
- Top cashback plan
- Coca CardElite: 8%Decaf CardNot disclosed
Everyday use
- Network
- Coca CardVisaDecaf CardVisa
- Card formats
- Coca CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Coca CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Coca CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Coca CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Coca Card30,000 EUR/day; 30,000 EUR/transactionDecaf CardNot disclosed
- Monthly spending limit
- Coca Card30,000 EUR/monthDecaf CardNot disclosed
- ATM limit
- Coca Card850 EUR/day; 5,000 EUR/monthDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Coca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5Decaf CardSolana, Stellar
- Crypto deposits
- Coca CardStablecoins: USDT, USDC, EURC, EURSDecaf CardStablecoins: USDC
- Fiat deposits
- Coca CardEUR IBAN receiveDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Coca CardStablecoin transfers; IBAN / bank transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Coca CardEUR, USD where availableDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Coca Card1%Decaf CardNot disclosed
- Max cashback
- Coca Card8%Decaf CardNot disclosed
- Reward currency
- Coca CardStablecoins such as USDC or EURC cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Coca CardUp to 5% APYDecaf CardNot disclosed
- How it works
- Coca CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Coca CardNoDecaf CardYes
- Use balance for spending
- Coca CardYesDecaf CardNot disclosed
- Lock-up
- Coca CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Coca CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Coca CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Coca CardNot disclosedDecaf CardThird National, Inc.
- Card processing
- Coca CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Coca CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Coca CardCOCA / CCA LABSDecaf CardNot disclosed
Sources
- Official sources
- Coca Card12Decaf Card21
- Last reviewed
- Coca CardSep 12, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Coca or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Coca lists 0% on direct pairs, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Coca has reviewed routes in EUR, USD where available; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Coca's reviewed deposit assets include EURC, EURS, USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Coca vs Decaf FAQ
Is Coca or Decaf better overall?
Coca Card has the higher Overall Score (70 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Coca or Decaf?
Coca Card has the lower published FX fee (0% on direct pairs vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coca or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coca and Decaf differ on custody?
Coca Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coca vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.