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COCA Card vs Solayer Card

COCA Card scores higher on the G2M score: 64/100 against 47/100 (#12 and #23 of 26 cards). Pick COCA Card for cashback and a lower annual fee; pick Solayer Card for more countries.

COCA Card64

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

Get COCARead the review
Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review

The short answer

  • COCA Card scores higher on the G2M score: 64/100 against 47/100 (#12 and #23 of 26 cards).
  • COCA Card pays 1% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 8% on COCA Card.
  • COCA Card has no annual fee; Solayer Card costs $20 a year.
  • Solayer Card charges 1.5% on foreign currency; COCA Card does not publish its FX fee.
  • COCA Card lists 73 countries where it works; Solayer Card does not publish a full country list (154 confirmed so far). Of the markets we check for every card, only COCA Card is confirmed in United Kingdom, EU / EEA and UAE, and only Solayer 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
Solayer Card
G2M score
64 (better)
47
Base cashback
1%
Not published
Max cashback
8%
Not published
Paid in
Stablecoins, monthly
Points
Annual fee
Free (better)
$20
FX fee
Not published
1.5%
Top-up fee
0% (better)
1%
Per-purchase fee
None listed
$0.15
ATM
Free up to $250 a month, then 2%
Supported; fee not published
Network
Visa
Visa
Card type
Debit
Credit
Custody
Self-custodial
Self-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
No
EU / EEA
Yes
No
Countries
73
154
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
1 currency
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Starter · Standard · Standard+ · Premium · Premium+ · Elite
Membership
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
Referral points

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 Solayer Card?

COCA Card scores higher on the G2M score: 64/100 against 47/100 (#12 and #23 of 26 cards). Pick COCA Card for cashback and a lower annual fee; pick Solayer Card for 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 Solayer Card?

COCA Card has no annual fee; Solayer Card costs $20 a year. Solayer Card charges 1.5% on foreign currency; COCA Card does not publish its FX fee.

Which pays more cashback, COCA Card or Solayer Card?

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

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

COCA Card lists 73 countries where it works; Solayer Card does not publish a full country list (154 confirmed so far). Of the markets we check for every card, only COCA Card is confirmed in United Kingdom, EU / EEA and UAE, and only Solayer Card is confirmed in United States.

Who holds my funds with COCA Card and Solayer 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.