Head to head
Stella Pay vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | St Stella Pay | Co Coca Card |
|---|---|---|
| Overall rank | #26 of 27 | #1 of 27 |
| FX spread | 0% | 0% |
| Base cashback | No cashback | 1% in USDC, paid on the 10th |
| Custody | Custodial | Non-Custodial |
| Virtual card | $10 | Free |
| Physical card | free physical card if you have 20,000 USD in the account | $1 + international shipping |
| Spend limit | $2,000 per day and $10,000 per month | $30,000 / month |
| ATM withdrawals | 2% + ATM's fee. | Fee-free up to $250/month, network fees apply above |
| Setup time | 1 Day | ~8 minutes |
| KYC steps | 4 | 4 |
| Score | 5/10 | 9.2/10 |
Stella Pay
The US Merchant availability and the AliPay/WeChat enabling of this crypto card make it very usable in 2 difficult markets. However, the card has minimal perks and low marketing. It just works.
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+