Head to head
MetaMask Card vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Me MetaMask Card | Co Coca Card |
|---|---|---|
| Overall rank | #21 of 35 | #2 of 35 |
| FX spread | 1% | 1.18% |
| Base cashback | 1% in mUSD (Virtual) | 1% in USDC, paid on the 10th |
| Custody | Self-custodial | Non-Custodial |
| Virtual card | Free, instant activation | Free |
| Physical card | Metal, $199/year (select regions, US live) | $1 + international shipping |
| Spend limit | Virtual $10,000/tx, $15,000/day; Metal $20,000/tx, $30,000/day | $30,000 / month |
| ATM withdrawals | Virtual 2%, $1,000/day; Metal free up to $1,200/month then 2%, $5,000/day | Fee-free up to $250/month, network fees apply above |
| Setup time | Virtual activates instantly | ~8 minutes |
| KYC steps | 2 | 4 |
| Score | Not rated yet | 9.2/10 |
MetaMask Card
MetaMask Card is the self-custody pick from the biggest wallet in crypto. Your funds sit in your wallet until the second you tap. No exchange account needed. Virtual is free with 1% back in mUSD. Metal is $199 a year for 3%, but only on the first $10k, then it drops to 1%. Watch the fees: 1% cross-border on Virtual, and 0.875% if you spend wETH instead of a stablecoin. Spend a stable in your own currency and it's fee free.
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.
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+