Rewards calculator
What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.
Tiers of COCA Card and Wirex One Card at $1,000 a month · best for you: COCA Elite ($960 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $960 | $0 | $0 | $0 | $960 | FX fee not published · Needs: Hold 30,000 COCA (~$29,780) | |
Wirex One CardBespokePrice not published | $960 | $0 | $0 | −$9.61 | $950 | Tier price not published · How to qualify is not published |
| $720 | $0 | $0 | $0 | $720 | FX fee not published · Needs: Hold 10,000 COCA (~$9,927) | |
| $600 | $0 | $0 | $0 | $600 | FX fee not published · Needs: Hold 3,000 COCA (~$2,978) | |
Wirex One CardPrivatePrice not published | $600 | $0 | $0 | −$9.61 | $590 | Tier price not published · How to qualify is not published |
| $480 | $0 | $0 | $0 | $480 | FX fee not published · Needs: Hold 1,000 COCA (~$993) | |
| $360 | $0 | $0 | $0 | $360 | FX fee not published · Needs: Hold 300 COCA (~$298) | |
Wirex One CardElitePrice not published | $360 | $0 | $0 | −$9.61 | $350 | Tier price not published · How to qualify is not published |
COCA CardStarterFree | $120 | $0 | $0 | $0 | $120 | FX fee not published |
Wirex One CardPremiumPrice not published | $120 | $0 | $0 | −$9.61 | $110 | Tier price not published · How to qualify is not published |
Wirex One CardBaseFree | $60.00 | $0 | $0 | −$9.61 | $50.39 | Virtual card only |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | COCA Elite | $240 |
| $500 | COCA Elite | $480 |
| $1,000 | COCA Elite | $960 |
| $2,000 | COCA Elite | $1,920 |
| $3,000 | COCA Elite | $2,880 |
| $5,000 | COCA Elite | $4,800 |
| $10,000 | COCA Elite | $9,600 |
COCA Card
- Standard (free) beats Starter (free) once you spend $1 a month. Needs: Hold 300 COCA (~$298).
- Standard+ (free) beats Standard (free) once you spend $1 a month. Needs: Hold 1,000 COCA (~$993).
- Premium (free) beats Standard+ (free) once you spend $1 a month. Needs: Hold 3,000 COCA (~$2,978).
- Premium+ (free) beats Premium (free) once you spend $1 a month. Needs: Hold 10,000 COCA (~$9,927).
- Elite (free) beats Premium+ (free) once you spend $1 a month. Needs: Hold 30,000 COCA (~$29,780).
Wirex One Card
- Premium (price not published) vs Base (free): can’t be compared, the price is not published.
- Elite (price not published) vs Premium (price not published): can’t be compared, the price is not published.
- Private (price not published) vs Elite (price not published): can’t be compared, the price is not published.
- Bespoke (price not published) vs Private (price not published): can’t be compared, the price is not published.
Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify
Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.