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COCA Card vs PEXX Card

COCA Card scores higher on the G2M score: 69/100 against 62/100 (#9 and #19 of 39 cards). Pick COCA Card for more countries and control of your funds; pick PEXX Card for a lower FX fee.

COCA Card69

#9 of 39 · 1% to 8% back · annual fee none

Get COCARead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • COCA Card scores higher on the G2M score: 69/100 against 62/100 (#9 and #19 of 39 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 8% on COCA Card.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.
  • COCA Card is confirmed in more countries: 73 against 68.
  • COCA Card is non-custodial; PEXX 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
PEXX Card
G2M score
69 (better)
62
Base cashback
1%
1%
Max cashback
8% (better)
1%
Paid in
Stablecoins, monthly
PEXX Points
Annual fee
Free
Free
FX fee
2%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
0.6%
ATM
Free up to $250 a month, then 2%
Not published
Network
Visa
Visa / Mastercard
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Sign-up bonus (G2M link)
8% cashback on your first 3 eligible card purchases, if you register in November 2026, complete KYC, fund the card and buy by 30 Nov 2026. No code needed
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
No
No
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
73
68
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
17 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Starter · Standard · Standard+ · Premium · Premium+ · Elite
PEXX Card
Perks
Yield on your card balance (variable) · Claim up to $15 a month · 50% back on 1 subscription · Claim up to $25 a month · 50% back on 2 subscriptions
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 12 Nov 2026; see each card's review for its sources.

Questions

Which is better, COCA Card or PEXX Card?

COCA Card scores higher on the G2M score: 69/100 against 62/100 (#9 and #19 of 39 cards). Pick COCA Card for more countries and control of your funds; pick PEXX Card for a lower FX fee. 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 PEXX Card?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.

Which pays more cashback, COCA Card or PEXX 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 PEXX Card?

COCA Card is confirmed in more countries: 73 against 68.

Who holds my funds with COCA Card and PEXX Card?

COCA Card is non-custodial; PEXX 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.