#26
WhiteBIT Card
7.1/10
Ranked #27 of 32
Overview
The COCA Card is a highly advanced, non-custodial debit card launched in partnership with Wirex, operating within a modern Web3 neobank architecture. Utilizing Multi-Party Computation (MPC) technology and Privy smart wallet structures, the platform enables users to log in easily using biometric passkeys or email while ensuring they retain absolute self-custody of their digital private keys. Balances can also be placed into high-yielding Morpho lending markets managed by Gauntlet risk protocols to generate steady interest natively before transactions execute.
★ COCA Card referral code
a1JhDw6Wshe
Using COCA Card's referral code at sign-up may unlock a welcome perk where the provider offers one. Availability and amounts are set by COCA Card and vary by region — check their site for current terms.
Rating breakdown
How the COCA Card scores across the categories we weigh into its overall 7.1/10.
Fees6.9
Rewards7.1
Custody8.0
Usability7.0
Features7.2
Cashback & rewards
Paid monthly in the platform's proprietary and volatile COCA token. The standard base tier gives a flat 1.0% cashback on all standard purchases, while higher staking tiers scale up to 8.0% alongside 50% rebates on core digital subscriptions like Netflix, Spotify, Amazon Prime, and ChatGPT.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter Tier | Free / No Staking | 1.0% | Within monthly allowance |
| Standard/Standard+ Tier | Stake 1,000 to 5,000 COCA | 2.0% - 3.0% | Within monthly allowance |
| Premium/Premium+ Tier | Stake 10,000 to 20,000 COCA | 4.0% - 5.0% | Within monthly allowance |
| Elite Tier | Stake 30,000 COCA | 8.0% | Within monthly allowance |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Free |
| Card issuance | $Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% (But terrible raw FX hidden ) |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% (But terrible raw FX hidden ) |
| ATM withdrawals | Free up to $250/month |
How to get the COCA Card
- Download the official COCA app from the Apple App Store or Google Play Store.
- Create a self-custodial account using an email or biometric passkey via Privy integrations.
- Order your free virtual Visa card instantly within the app interface.
- Deposit cryptocurrencies or connect fiat via SEPA bank transfers into your smart wallet.
- Optionally pay a minor material fee to order a physical plastic delivery to your home.
Pros & cons
Pros
- Download the official COCA app from the Apple App Store or Google Play Store.
- Create a self-custodial account using an email or biometric passkey via Privy integrations.
- Order your free virtual Visa card instantly within the app interface.
- Deposit cryptocurrencies or connect fiat via SEPA bank transfers into your smart wallet.
- Optionally pay a minor material fee to order a physical plastic delivery to your home.
Cons
- Cashback rewards are distributed exclusively in volatile COCA utility tokens.
- Ordering the physical plastic card requires an upfront payment ranging from $5 to $20 depending on the tier.
- Certain users have flagged transaction bugs and slow customer service responses following recent updates.
- Higher reward tiers require lockups of the platform's native token which exposes users to price volatility.
- ATM withdrawals are free up to a modest threshold of $250 before standard fees apply.
Is It Worth It?
Privacy-conscious Web3 investors seeking a zero-fee, non-custodial card that balances everyday crypto spending with integrated traditional banking features without mandatory identity checks.
Where you can use it
Supported countries
Available in 75 countries
Malta
🇵🇪 Peru
🇮🇸 Iceland
🇳🇬 Nigeria
🇭🇷 Croatia
🇯🇵 Japan
🇪🇪 Estonia
Panama
🇬🇭 Ghana
🇨🇭 Switzerland
🇱🇻 Latvia
🇧🇷 Brazil
🇴🇲 Oman
Macao
Georgia
🇸🇪 Sweden
Kazakhstan
Cyprus
🇨🇱 Chile
Guernsey
🇧🇪 Belgium
Uganda
🇹🇼 Taiwan
🇸🇮 Slovenia
Monaco
Ecuador
🇵🇱 Poland
🇰🇪 Kenya
Israel
Andorra
🇻🇳 Vietnam
🇲🇾 Malaysia
🇭🇺 Hungary
Jersey
🇨🇴 Colombia
🇳🇴 Norway
Gibraltar
🇹🇷 Türkiye
🇦🇹 Austria
Moldova
🇰🇷 South Korea
🇩🇰 Denmark
Uzbekistan
🇮🇪 Ireland
🇵🇹 Portugal
Azerbaijan
🇧🇬 Bulgaria
🇲🇽 Mexico
Liechtenstein
🇹🇭 Thailand
🇩🇪 Germany
Montenegro
Isle of Man
🇺🇦 Ukraine
🇬🇷 Greece
🇦🇺 Australia
🇪🇸 Spain
🇱🇺 Luxembourg
El Salvador
🇷🇴 Romania
🇭🇰 Hong Kong
🇦🇷 Argentina
🇸🇰 Slovakia
🇵🇭 Philippines
🇫🇷 France
🇸🇦 Saudi Arabia
🇱🇹 Lithuania
The Netherlands
🇮🇹 Italy
🇿🇦 South Africa
🇨🇿 Czechia
🇦🇪 United Arab Emirates
🇳🇿 New Zealand
🇫🇮 Finland
United Kingdom.
No match in the supported list.
Not supported
Not available in 40 countries
Papua New Guinea
Paraguay
🇶🇦 Qatar
Republic of the Congo
Russia
Rwanda
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and the Grenadines
Samoa
San Marino
São Tomé and Príncipe
Senegal
Serbia
Seychelles
Sierra Leone
🇸🇬 Singapore
Solomon Islands
Somalia
South Sudan
Sri Lanka
Sudan
Suriname
Syria
Tajikistan
Tanzania
Timor-Leste
Togo
Tonga
Trinidad and Tobago
Tunisia
Turkmenistan
Tuvalu
Uruguay
Vanuatu
Vatican City
Venezuela
Yemen
Zambia
Zimbabwe.
No match in this list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the COCA Card offer cashback?
Yes. The COCA Card pays cashback starting around 2% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the COCA Card available in my country?
Availability for the COCA Card varies. Check the provider's site for the current list of supported countries.
Does the COCA Card require KYC?
The COCA Card can be used with minimal or no mandatory ID verification for basic use, though higher limits may require KYC.
Is the COCA Card custodial or self-custodial?
The COCA Card is custodial, meaning the provider holds your funds on your behalf.
What network does the COCA Card run on?
The COCA Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.
