8% Cashback
How COCA cashback works?
When you pay with your COCA card – online or in-store – COCA tracks the purchase and calculates your cashback based on your membership tier.
No points. Real money. No confusing redemption process. You don’t need to pre-select categories or activate offers. You just pay as usual, and cashback is added automatically.
Cashback is designed to feel like:
instant (you see it tracked)
monthly simplicity (it settles each month)
Tier-based cashback
COCA cashback is tied to your tier, so you can choose how more you want to get.
Here’s the simple story:
Starter: 1% unlimited
Standard: 3% on your first $1,000/month, then 1% unlimited
Standard+: 4% on your first $1,750/month, then 1% unlimited
Premium: 5% on your first $2,500/month, then 1% unlimited
Premium+: 6% on your first $5,000/month, then 1% unlimited
Elite: 8% on your first $10,000/month, then 1% unlimited
Subscription cashback. The one people love 😍
Subscriptions are the easiest money leak in modern life. They’re small, recurring, and they add up. COCA flips the script by offering 50% cashback on subscriptions, covering popular services like Streaming, AI Assistants, Music, Market Places.
Depending on your tier, you’ll see which subscriptions you qualify for. Learn more: 50%-off subscriptions
The experience is meant to be simple:
Pay your subscription normally with your COCA card → COCA rebates half.
Why COCA can offer high cashback?
Banks usually keep most of the value in the card payment flow. COCA is built different.
COCA’s infrastructure and operating model are designed to be more efficient than traditional banking, which creates more room to reward users instead of absorbing value in overhead.
Learn more: Why are rewards so high?
The mindset: don’t “spend more,” just “earn more”
COCA isn’t trying to push you into spending. It’s trying to make the money you already spend – work harder.
The best COCA users don’t change their behavior much. They just:
make COCA their default card
route subscriptions through COCA
choose a tier that fits their spending and balance
And then they get paid back for it.
Cashback is the easiest way to experience what COCA is about:
Bank-simple payments + real rewards
You live your life. You tap your card. COCA does the rest.
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