Head to head
Infini vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | In Infini | Co Coca Card |
|---|---|---|
| Overall rank | #10 of 11 | #1 of 11 |
| Gross FX spread | 3% | 1.18% |
| Net cost on test | N/A | $1.47 after cashback |
| Base cashback | 0 | 1% in USDC, paid on the 10th |
| Custody | Custodial | Non-Custodial |
| Virtual card | Yes ($10) | Free |
| Physical card | No | $1 + international shipping |
| Spend limit | Custom configurable by admin | $30,000 / month |
| ATM withdrawals | No | Fee-free up to $250/month, network fees apply above |
| Setup time | 20 minutes | ~8 minutes |
| KYC steps | 4 | 4 |
| Score | 6/10 | 9.2/10 |
Infini
Infini is a highly specialized corporate expense platform rather than a standard consumer crypto card. If you are a business looking to fund SaaS and ad campaigns directly with stablecoins, the API controls and flat 1.5% uncapped stablecoin cashback are excellent. However, for everyday retail consumers, the $10 virtual card issuance fee and massive 3% non-USD FX fee on the base tier make it impractical for daily spending. Only use if you're a business
Coca Card
Coca lands at the top because it pairs a fully non-custodial architecture with stablecoin cashback that actually cancels out its spread. One tier upgrade makes it the strongest card in the test.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+