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COCA Card vs Exa Card

Exa Card scores higher on the G2M score: 67/100 against 64/100 (#9 and #12 of 26 cards). COCA Card still comes out ahead on more countries.

COCA Card64

#12 of 26 · 1% to 8% back · annual fee none

Get COCARead the review
Exa Card67

#9 of 26 · 1% back · annual fee none

Get ExactlyRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 64/100 (#9 and #12 of 26 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 8% on COCA Card.
  • Neither card has an annual fee.
  • Exa Card charges 1.5% on foreign currency; COCA Card does not publish its FX fee.
  • COCA Card is confirmed in more countries: 73 against 46. Of the markets we check for every card, only COCA Card is confirmed in United Kingdom and EU / EEA, and only Exa Card is confirmed in United States.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
COCA Card
Exa Card
G2M score
64
67 (better)
Base cashback
1%
1%
Max cashback
8% (better)
1%
Paid in
Stablecoins, monthly
Not published
Annual fee
Free
Free
FX fee
Not published
1.5%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Free up to $250 a month, then 2%
$1 + 0.65% per withdrawal; up to $250 each
Network
Visa
Visa
Card type
Debit
Varies by region
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
No
Yes
United Kingdom
Yes
No
EU / EEA
Yes
No
Countries
73
46
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
Yes
Yes
Tiers
Starter · Standard · Standard+ · Premium · Premium+ · Elite
Global · United States
Perks
Yield on your card balance (variable) · 50% back on 1 subscription · 50% back on 2 subscriptions · 50% back on 3 subscriptions · 50% back on 4 subscriptions
Concierge · Extended warranty · Purchase protection

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, COCA Card or Exa Card?

Exa Card scores higher on the G2M score: 67/100 against 64/100 (#9 and #12 of 26 cards). COCA Card still comes out ahead on more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, COCA Card or Exa Card?

Neither card has an annual fee. Exa Card charges 1.5% on foreign currency; COCA Card does not publish its FX fee.

Which pays more cashback, COCA Card or Exa Card?

Both pay 1% cashback on their entry tier. Higher tiers go up to 8% on COCA Card.

Which works in more countries, COCA Card or Exa Card?

COCA Card is confirmed in more countries: 73 against 46. Of the markets we check for every card, only COCA Card is confirmed in United Kingdom and EU / EEA, and only Exa Card is confirmed in United States.

Who holds my funds with COCA Card and Exa Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.