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COCA Card vs Krak Card

COCA Card scores higher on the G2M score: 64/100 against 60/100 (#12 and #18 of 26 cards). COCA Card also comes out ahead on cashback, more countries and control of your funds.

COCA Card64

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

Get COCARead the review
Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review

The short answer

  • COCA Card scores higher on the G2M score: 64/100 against 60/100 (#12 and #18 of 26 cards).
  • COCA Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 8% on COCA Card and 2% on Krak Card.
  • Neither card has an annual fee.
  • Krak Card charges 1% on foreign currency; COCA Card does not publish its FX fee.
  • COCA Card is confirmed in more countries: 73 against 32. Of the markets we check for every card, only COCA Card is confirmed in UAE, and only Krak Card is confirmed in United States.
  • COCA Card is self-custodial; Krak Card is 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
Krak Card
G2M score
64 (better)
60
Base cashback
1%
Not published
Max cashback
8% (better)
2%
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
None listed
ATM
Free up to $250 a month, then 2%
Supported; fees not published
Network
Visa
Visa / Mastercard
Card type
Debit
Debit
Custody
Self-custodial
Custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
No
Yes
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
73
32
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
No
Yield on your balance
Yes
Yes
Tiers
Starter · Standard · Standard+ · Premium · Premium+ · Elite
Krak Card
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
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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 Krak Card?

COCA Card scores higher on the G2M score: 64/100 against 60/100 (#12 and #18 of 26 cards). COCA Card also comes out ahead on cashback, more countries and control of your funds. 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 Krak Card?

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

Which pays more cashback, COCA Card or Krak Card?

COCA Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 8% on COCA Card and 2% on Krak Card.

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

COCA Card is confirmed in more countries: 73 against 32. Of the markets we check for every card, only COCA Card is confirmed in UAE, and only Krak Card is confirmed in United States.

Who holds my funds with COCA Card and Krak Card?

COCA Card is self-custodial; Krak Card is 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.