# Membership you deserve

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**.

| Tier          | $COCA Staked | Cashback                        | Card Balance APY                    | Subscriptions included | 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 |

{% hint style="info" %}
Check eligible services for 50% rebates: [**50%-off subscriptions**](/coca/membership-and-rewards/50-off-subscriptions.md)
{% endhint %}

#### **Starter. Try COCA, feel the difference**

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 & Plus. Everyday rewards that add up**

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 & Plus. COCA as your main money app**

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. Maximum rewards**

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.

#### **How to think about tiers?**

If you mostly want a great card → **Starter / Standard /** **Standard+**.\
If you want COCA as your main account + serious rewards → **Premium / Premium+ / Elite**.

#### **Cancel anytime**

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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