PAYY Card vs COCA Card

Side-by-side comparison of 2 crypto debit cards

	PAYY Card 4.0/5 self_custodialvisa	COCA Card 4.0/5 self_custodialmastercard
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	€0
Issuance Fee	Free (virtual and physical)	€0 (virtual); €20 for Starter/Standard physical, Free for Premium/Elite physical
Rewards
Max Cashback	None - no traditional cashback rewards	1%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	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	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
Cons	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)	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