Head to head
Coca Card vs Krak
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Co Coca Card | Kr Krak |
|---|---|---|
| Overall rank | #1 of 27 | #8 of 27 |
| FX spread | 0% | 0% |
| Base cashback | 1% in USDC, paid on the 10th | 0% (first cashback unlocks at $200 portfolio) |
| Custody | Non-Custodial | Custodial |
| Virtual card | Free | Free |
| Physical card | $1 + international shipping | Free (Shipping not included) |
| Spend limit | $30,000 / month | |
| ATM withdrawals | Fee-free up to $250/month, network fees apply above | Free worldwide ATM withdrawals |
| Setup time | ~8 minutes | ~20 minutes |
| KYC steps | 4 | 6 |
| Score | 9.2/10 | 8/10 |
Coca Card
Coca takes the top spot because it pairs a genuinely non-custodial wallet with stablecoin cashback that cancels out its FX spread. A single-tier upgrade unlocks up to 8% cashback, 50% off subscriptions and 5% APY, which is the best value on offer anywhere in this ranking. It's also a useful crypto wallet entirely on its own. The crypto wallet includes WalletConnect, meaning you can integrate it into your own apps.
Krak
Krak positions itself as a neobank alternative rather than a prepaid crypto card. Salary deposits, real-time multi-asset spending without preloading and integrated high-yield vaults make it a capable everyday account, provided you live in the UK or EEA and accept custodial risk.
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+