COCA Card vs Krak Card
COCA Card scores 12/16, Krak Card scores 12/16 on the CBL Card Score. Here is every criterion side by side.
 COCA Card |  Krak Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 1 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 1 of 2 | 2 of 2 |
| Yield on idle balance | 2 of 2 | 1 of 2 |
| Total | 12 | 12 |
The short verdict: COCA Card leads overall (12 to 12). Self-custodial smart wallet; per-payment approval, 0% FX on direct pairs FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| COCA Card | Paid in stablecoins. Starter 1% unlimited with no COCA staked; Standard 3% on the first $1,000 a month (300 COCA staked); Standard+ 4% on $1,750 (1,000 COCA); Premium 5% on $2,500 (3,000 COCA); Premium+ 6% on $5,000 (10,000 COCA); Elite 8% on $10,000 (30,000 COCA); 1% after each cap (official, docs membership page, checked 20 Oct 2026). Up to 50% back on subscriptions such as Netflix and Spotify, one to four subscriptions by tier (official, card-cashback page and docs). The cashback page says tiers run on COCA balance with no staking, while the docs say COCA is staked with a 30-day cooldown on exit (official, conflicting). |
| Krak Card | Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%, set by a 30-day rolling average balance across Krak, Kraken and Kraken Pro; paid in Bitcoin or fiat; new users may get the Max rate for the first 30 days, subject to geographic limits (official, Kraken Card FAQ, 8 Oct 2026). Blog says cashback is paid weekly (official, 13 Jul 2026). US page adds up to 6% on travel booked through Krak (official, krak.app/card). |
Cashback is shown as a dated fact and never scored.