COCA tiers are meant to feel like a membership. You pick the level that fits your life, and COCA simply pays you back more for using it.
Each tier improves four things people care about: cashback, APY on your balance, subscription rebates, and perks/support.
Starter
0
1% unlimited
Up to 5% on first $5,000, then 2%
0
Basic
Standard
300
3% on first $1,000/mo, then 1%
Up to 5% on first $50,000, then 2%
1
Basic
Standard+
1,000
4% on first $1,750/mo, then 1%
Up to 5% on first $250,000, then 2%
2
Basic
Premium
3,000
5% on first $2,500/mo, then 1%
Up to 5% on first $500,000, then 2%
2
Priority
Premium+
10,000
6% on first $5,000/mo, then 1%
Up to 5% unlimited
3
Priority
Elite
30,000
8% on first $10,000/mo, then 1%
Up to 5% unlimited
4
Priority
Check eligible services for 50% rebates: 50%-off subscriptions
No commitment, no staking. Just start using COCA and get rewarded from day one. Starter is perfect if you want to test COCA as your daily card without thinking too hard.
Standard & Standard+ is where COCA starts feeling like a cheat code: higher cashback on your core monthly spending, plus a much bigger APY sweet spot. This tier is built for people who want solid rewards without going “all in”.
Premium & Premium+ is for users who keep meaningful balances, spend consistently, and want premium perks without complexity. Premium is the “I’m actually using this” tier – bigger earning potential and less friction.
Elite is for people who want the best COCA can offer: top cashback, top APY, and the full subscription bundle. Elite is built for high-usage users who want rewards that feel like a real advantage, month after month.
If you mostly want a great card → Starter / Standard / Standard+. If you want COCA as your main account + serious rewards → Premium / Premium+ / Elite.
You can cancel the current tier any time.
During the a 30-day cooldown period starts you keep your tier benefits. After cooldown you drop back to Starter tier and return your locked COCA to your Crypto Account.
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