[ head to head ]

COCA Card vs XPlace Card

COCA Card scores higher on the G2M score: 69/100 against 57/100 (#9 and #22 of 36 cards). Pick COCA Card for cashback; pick XPlace Card for more countries.

COCA Card69

#9 of 36 · 1% to 8% back · annual fee none

Get COCA Read the review

XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

COCA Card scores higher on the G2M score: 69/100 against 57/100 (#9 and #22 of 36 cards).
COCA Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 8% on COCA Card and 2% on XPlace Card.
Neither card has an annual fee.
COCA Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.
COCA Card lists 73 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in United States.
Both are non-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

COCA Card

XPlace Card

G2M score

Base cashback

0.5%

Max cashback

Paid in

Stablecoins, monthly

USDC

Annual fee

Free

FX fee

Not published

Top-up fee

Per-purchase fee

None listed

ATM

Free up to $250 a month, then 2%

Not published

Network

Visa

Card type

Debit

Varies by region

Custody

Non-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

Formats

virtual, physical

Apple / Google Pay

Yes / Yes

India

UAE

Yes

United States

Yes

United Kingdom

Yes

EU / EEA

Yes

Countries

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states

Bank account (IBAN or account number)

In your name

Not confirmed

Send money to a bank account

1 currency

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Not confirmed

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Starter · Standard · Standard+ · Premium · Premium+ · Elite

Basic · Silver · Gold · Platinum

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

Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 a month

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 4 Nov 2026; see each card's review for its sources.

Questions

Which is better, COCA Card or XPlace Card?

COCA Card scores higher on the G2M score: 69/100 against 57/100 (#9 and #22 of 36 cards). Pick COCA Card for cashback; pick XPlace 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 XPlace Card?

Neither card has an annual fee. COCA Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, COCA Card or XPlace Card?

COCA Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 8% on COCA Card and 2% on XPlace Card.

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

COCA Card lists 73 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in United States.

Who holds my funds with COCA Card and XPlace Card?

Both are non-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.