Head to head
Coca Card vs EtherFi
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Co Coca Card | Et EtherFi |
|---|---|---|
| Overall rank | #1 of 27 | #2 of 27 |
| FX spread | 0% | 1% |
| Base cashback | 1% in USDC, paid on the 10th | 3% instant |
| Custody | Non-Custodial | Non-Custodial |
| Virtual card | Free | First free, $10 for additional |
| Physical card | $1 + international shipping | $50 (metal unlocked on higher VIP tiers) |
| Spend limit | $30,000 / month | Up to $30,000/day on the free Core tier |
| ATM withdrawals | Fee-free up to $250/month, network fees apply above | $250/day limit, 2% flat fee, no free tier |
| Setup time | ~8 minutes | ~8 minutes |
| KYC steps | 4 | 5 |
| Score | 9.2/10 | 9.2/10 |
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.
EtherFi
EtherFi charges a 0.51% spread when you swipe in a foreign currency, but the instant 3% cashback more than neutralises it. Net cost on the benchmark purchase came to $1.45, below the mid-market value of the same basket. Stay under the $2,000 monthly cap and the card pays you to spend.
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+