COCA Card vs PAYY Card

Side-by-side comparison of 2 crypto debit cards

	COCA Card 4.0/5 self_custodialmastercard	PAYY Card 4.0/5 self_custodialvisa
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	€0 (virtual); €20 for Starter/Standard physical, Free for Premium/Elite physical	Free (virtual and physical)
Rewards
Max Cashback	1%	None - no traditional cashback rewards
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Industry-leading cashback rates (up to 8% for Elite tier) Zero fees for most common transactions (issuance, annual, FX) 50% rebates on popular subscription services (Netflix, Spotify, ChatGPT, Amazon Prime) High daily spending limit (€30,000) across all tiers	Zero monthly fees and zero transaction fees for purchases Privacy-preserving architecture shields transaction details from public view Self-custodial model gives users complete control over funds Global availability wherever Apple/Google app stores are accessible
Cons	Limited geographic availability (no North America, most of Asia/Africa) Supports only stablecoins, not other cryptocurrencies Requires manual conversion before spending (though direct deposit to card address provides automatic conversion) Requires Curve workaround for Apple Pay and Samsung Pay integration	No cashback or traditional rewards program Physical card limited to contactless payments only (no chip/magstripe) Restricted to USDC stablecoin for card spending Self-custody requires managing recovery phrases (potential complexity for some users)