COCA vs RedotPay
Side-by-side comparison of COCA and RedotPay crypto cards. Data sourced from official issuer documentation and verified by SpendNode.
Comparing 2 Cards
Side-by-side comparison of features and benefits
| Attribute |  |  |
|---|---|---|
| Max Cashback | 8%Highest | 3% |
| Annual Fee | FreeBest | FreeBest |
| FX Fee | 1% | 1.2% |
| Custody Model | Custodial | Custodial |
| Network | VISA | VISA |
| Regions | EEAUKAPACLATAMGLOBAL | GLOBALAPACLATAMEEA |
| Supported Assets | 4+ assets USDCUSDTETHBTC | 5+ assets SOLUSDTUSDCBTCETH |
| Cashback | Yes | Yes |
| Staking | Yes | No |
| Points | No | No |
| Airdrops | Yes | No |
| Lounge access | No | No |
| Subscription rebates | Yes | No |
| Metal card | No | No |
| Virtual Cards | No | Yes |
| Physical Cards | No | No |
| Visa | No | No |
| Mastercard | No | No |
| Apple Pay | No | Yes |
| Google Pay | No | No |
| Self-custody spend | Yes | No |
| Stablecoin spend | No | Yes |
| No annual fee | Yes | Yes |
| No FX fee | No | No |
| ATM free allowance | No | No |
| No KYC | Yes | Yes |
| Virtual vs Physical | No | Yes |
| Debit vs Prepaid | No | No |
| Best For | Best for Cashback | Good for Rewards |
Note: All data verified as of February 2026. Rewards and fees may vary based on your spending tier and region. Check each card's detailed page for complete terms.
COCA vs RedotPay: Key Differences
Non-custodial reward machine versus the highest-capacity off-ramp in crypto. [COCA](/crypto-cards/coca-card/) delivers 1-8% [cashback](/crypto-cards/cashback/) with 0-1% FX (0% on direct stablecoin pairs, 1% on indirect), 6% APY, 50% subscription [rebates](/crypto-cards/rebates/), and [self-custody](/crypto-cards/self-custody/) across 54 countries on Visa. [RedotPay](/crypto-cards/redotpay-virtual-card/) charges 2.2% total fees (1% conversion + 1.2% FX) with no permanent cashback, but offers $1,000,000 daily spending limits, [no-KYC](/crypto-cards/no-kyc/) onboarding, and coverage in 50+ countries on Visa. These cards serve fundamentally different use cases: COCA optimizes for earning from daily spending. RedotPay optimizes for moving large volumes of crypto to fiat with minimal friction.
The right choice depends on your priorities: cashback rates, regional availability, custody model, and which ecosystem you already use. Below, we break down who should choose each card.
Reward Card vs Utility Card
These cards solve different problems.
COCA - Non-custodial Visa debit, Wirex. Six tiers (Starter 1% through Elite 8%) by COCA token holding. 0% FX on direct stablecoin pairs (EURC to EUR, USDC to USD), 1% on indirect pairs. $0 annual. 6% APY on stablecoins. 50% off subscriptions. IBAN + SEPA. $30,000/month spending, $850/day ATM. 54 countries. Assets: USDC, USDT, ETH, BTC.
RedotPay - Custodial Visa prepaid. Three variants: Virtual ($10 issuance, no-KYC, instant), Solana Edition ($10, adds SOL), Physical ($100, ATM). 1% conversion + 1.2% FX on every transaction. No permanent cashback. $1,000,000 daily / $100,000 per transaction. 50+ countries. Assets: USDT, USDC, BTC, ETH.
Spending Economics
| Scenario | COCA Starter (1%) | COCA Standard (3%) | COCA Premium (5%) | RedotPay (cross-curr.) | RedotPay (same-curr.) |
|---|---|---|---|---|---|
| Casual ($1K/mo) | $10 | $30 | $50 | -$22 (2.2% cost) | -$10 (1% cost) |
| Active ($3K/mo) | $30 | $90 | $150 | -$66 | -$30 |
| Annual ($3K/mo) | $360 | $1,080 | $1,800 | -$792 | -$360 |
| High-vol ($50K/mo) | N/A ($30K limit) | N/A | N/A | -$13,200 | -$6,000 |
SpendNode's 2026 comparison reflects a stark divide: COCA earns money on spending, while RedotPay costs money on spending. The difference is structural: COCA charges 0-1% FX (0% on direct stablecoin pairs, 1% on indirect) and pays 1-8% cashback. RedotPay charges 2.2% fees and pays nothing. On $3,000/month, the annual swing between COCA Standard and RedotPay is $1,872. Over 3 years, COCA generates $3,240 while RedotPay costs $2,376.
RedotPay's fees are the price of capacity. No other card offers $100,000 per-transaction limits. For users moving significant crypto volume (treasury management, large purchases, real estate deposits), the 2.2% fee on a $100,000 transaction ($2,200) is the cost of off-ramping that volume through a card at all.
Capacity: 33x Difference
The spending limit gap is massive:
- Daily: $1,000,000 (RedotPay) vs approximately $1,000/day effective (COCA at $30K/mo)
- Per transaction: $100,000 (RedotPay) vs $30,000 (COCA)
- Monthly: effectively unlimited (RedotPay) vs $30,000 (COCA)
- ATM monthly: $50,000 (RedotPay Physical) vs $5,000 (COCA)
A single $50,000 RedotPay transaction exceeds COCA's entire monthly limit. For high-net-worth individuals, businesses, or treasuries, RedotPay is the only viable option between these two.
Custody and Access
COCA is non-custodial. Your funds sit in a smart contract wallet you control (Privy, ERC-4337). Self-custody with biometric recovery. Requires KYC verification.
RedotPay is custodial. Your funds sit on RedotPay's servers. The Virtual card offers no-KYC instant onboarding - start spending in minutes with minimal verification. The $107M Series B provides institutional backing but does not eliminate custodial risk.
For privacy-conscious users or those in regions with complex verification requirements, RedotPay's no-KYC Virtual provides access that COCA's KYC requirement blocks.
Mistakes to Avoid
Using RedotPay for regular daily spending when COCA is available in your market. A user spending $3,000/month on RedotPay loses $792/year in fees. The same user on COCA Standard earns $1,080/year in cashback plus $300/year in APY and $240/year in subscription savings = $1,620/year. The swing is $2,412/year - over $200/month difference between paying fees and earning rewards. Over 3 years, the RedotPay user has paid $2,376 while the COCA user has earned $4,860. How to avoid it: Use COCA for daily spending up to $30,000/month. Reserve RedotPay for its specific strengths: transactions above $30K, no-KYC access, or markets where COCA is not available.
Assuming COCA can handle high-volume off-ramping that requires RedotPay's capacity. COCA caps at $30,000/month. A user who needs to off-ramp $100,000 for a property purchase, business expense, or treasury distribution cannot complete the transaction on COCA. RedotPay handles this in a single swipe. The cards serve different volume tiers. How to avoid it: Assess your maximum single-transaction need. If it exceeds $30,000, you need RedotPay (or a similar high-limit card). Consider holding both: COCA for daily cashback-positive spending, RedotPay for high-limit utility.
Quick Verdict
For daily spending wanting positive returns: COCA at any tier. 0-1% FX and 1-8% cashback turn every purchase into earnings.
For high-volume off-ramping ($30K+ transactions): RedotPay with $1M daily limits. No other card matches this capacity at these limits.
For no-KYC instant access: RedotPay Virtual with instant activation and minimal verification.
For self-custody: COCA. RedotPay is custodial - your funds are on their servers.
For the best of both: COCA for daily spending (cashback + APY + banking) and RedotPay for high-limit utility transactions. The two cards are complementary, not competitive.
Outlook: If RedotPay launches a permanent cashback program (even 1%), it would create a viable spending card alongside its high-limit utility. If COCA raises its monthly limits above $30K, it would encroach on RedotPay's high-volume territory. Both platforms are expanding in 2026. The most likely outcome: these cards continue serving adjacent use cases, and the optimal setup for high-volume crypto users remains both.
Fee Breakdown
| Fee | COCA | RedotPay |
|---|---|---|
| FX Fee | 1% | 1.2% |
| Annual Fee | Free | Free |
| ATM Fee | 0% | TBD |
Fees pulled from issuer documentation. Verify on the official site before applying.
Who Should Choose COCA
The COCA Visa Card is best suited for users who:
- Want up to 8% cashback on spending
- Prefer a card with no annual fee
- Are based in EEA, UK, APAC, LATAM, GLOBAL
Who Should Choose RedotPay
The RedotPay Solana Card is best suited for users who:
- Want up to 3% cashback on spending
- Prefer a card with no annual fee
- Are based in GLOBAL, APAC, LATAM, EEA
Our Verdict
**In SpendNode's head-to-head, COCA wins on daily spending economics by every measure, but RedotPay serves high-volume and privacy use cases that COCA cannot touch.** On $3,000/month spending, COCA Standard (3%) earns $1,080/year with 0-1% FX. RedotPay costs $792/year in fees with zero return. The annual swing is $1,872. Add COCA's APY ($300/year on $5K) and subscription savings ($240/year), and COCA's total value advantage exceeds $2,400/year. But RedotPay's $1,000,000 daily limit and $100,000 per-transaction cap dwarf COCA's $30,000/month limit by 33x. A user who needs to off-ramp $50,000 in a single transaction has no choice between these two - only RedotPay can handle it. For users in markets where KYC is a barrier, RedotPay's no-KYC Virtual card provides instant access that COCA requires verification for. For daily spending, COCA. For high-volume utility, RedotPay.
Frequently Asked Questions
Which has better cashback, COCA or RedotPay?
COCA offers up to 8% cashback compared to RedotPay's 3%. Actual rates depend on your spending tier and card variant.
Which card has lower fees?
COCA charges 1% FX fee vs RedotPay's 1.2%. Neither charges an annual fee.
Is COCA or RedotPay better for self-custody?
Both use custodial models. If self-custody is important, consider providers like Gnosis Pay or ether.fi.
Which card is available in more regions?
COCA is available in 5 regions (EEA, UK, APAC, LATAM, GLOBAL) compared to RedotPay's 4 regions (GLOBAL, APAC, LATAM, EEA). Always verify eligibility on the issuer's website.