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COCA Card vs Karta.io Card

COCA Card scores higher on the G2M score: 64/100 against 40/100 (#12 and #26 of 26 cards). COCA Card also comes out ahead on cashback and more countries.

COCA Card64

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

Get COCARead the review
Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review

The short answer

  • COCA Card scores higher on the G2M score: 64/100 against 40/100 (#12 and #26 of 26 cards).
  • COCA Card pays 1% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 8% on COCA Card.
  • Neither card has an annual fee.
  • Karta.io Card charges 1% on foreign currency; COCA Card does not publish its FX fee.
  • COCA Card lists 73 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only COCA Card is confirmed in United Kingdom, EU / EEA and UAE.
  • 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
Karta.io Card
G2M score
64 (better)
40
Base cashback
1%
Not published
Max cashback
8%
Not published
Paid in
Stablecoins, monthly
Not published
Annual fee
Free
Free
FX fee
Not published
1%
Top-up fee
0%
0%
Per-purchase fee
None listed
1.5%
ATM
Free up to $250 a month, then 2%
1 USDT + 2.5% per withdrawal
Network
Visa
Visa
Card type
Debit
Prepaid
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
No
No
United Kingdom
Yes
Unclear
EU / EEA
Yes
Unclear
Countries
73
Not published; depends on local rules and card partners
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
No
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
Starter · Standard · Standard+ · Premium · Premium+ · Elite
Karta Personal
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
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

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 Karta.io Card?

COCA Card scores higher on the G2M score: 64/100 against 40/100 (#12 and #26 of 26 cards). COCA Card also comes out ahead on cashback and 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 Karta.io Card?

Neither card has an annual fee. Karta.io Card charges 1% on foreign currency; COCA Card does not publish its FX fee.

Which pays more cashback, COCA Card or Karta.io Card?

COCA Card pays 1% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 8% on COCA Card.

Which works in more countries, COCA Card or Karta.io Card?

COCA Card lists 73 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only COCA Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with COCA Card and Karta.io 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.

COCA Card vs Karta.io Card: fees, cashback and countries compared · G2M