Head to head
MiniPay vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Mi MiniPay | Co Coca Card |
|---|---|---|
| Overall rank | #14 of 27 | #1 of 27 |
| FX spread | 0% | 0% |
| Base cashback | 5% cashback | 1% in USDC, paid on the 10th |
| Custody | Non-Custodial | Non-Custodial |
| Virtual card | Free (Gated) | Free |
| Physical card | No | $1 + international shipping |
| Spend limit | Region dependent | $30,000 / month |
| ATM withdrawals | Unavailable | Fee-free up to $250/month, network fees apply above |
| Setup time | ~8 minutes | ~8 minutes |
| KYC steps | 3 | 4 |
| Score | 7.8/10 | 9.2/10 |
MiniPay
Built by Opera and powered by Gnosis Pay on the Celo network, MiniPay is one of the most accessible self-custodial virtual Visa cards available. There are no monthly fees, cashback runs up to 5% paid in Tether Gold, and the FX fee is a true zero. The catch is the deposit fee, the lack of a physical card, and the invite gate on sign-up.
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+