Comparison of crypto cards 2026: Plasma One, Tria, KAST, COCA
Crypto cards allow you to spend Bitcoin and other assets in brick-and-mortar stores via Visa/Mastercard. In 2026, the market grew significantly: cards with cashback of up to 8%, AI cashback, lounge access and zero FX commission appeared.POOL BTCcollectedcomparison of crypto maps— below we look at four leading products: Plasma One, Tria, KAST and COCA.
General overview of maps
All four cards operate on the Visa network and are accepted at all standard terminals. The fundamental differences are in the pricing model and cashback structure:
| Map | Net | Price/levels | Cashback |
|---|---|---|---|
| Plasma One | Visa | Lite $0 / Core $120/year / Platinum 100,000 XPL | 2–4%* cashback + 10% air |
| Tria | Visa | Virtual $25 / Signature $109 / Premium $220 / year | 1.5–6%* cashback |
| KAST | Visa | Standard $0 / Premium $1,000 / year / Private $10,000 / year | 1.5–3%* USD |
| COCA | Visa | Free issue + $COCA steak | 1–8%* according to steak level |
Cashback by level
Cashback is the main selection criterion for most users. Below is a breakdown of all levels of the four cards:
| Map/level | Basic cashback | AI cashback | Air/hotels | FX commission |
|---|---|---|---|---|
| Plasma One Lite | 2%* | — | — | 1% |
| Plasma One Core | 3%* | 5%* for AI merchants | — | 0.5% |
| Plasma One Platinum | 4%* | 10%* for AI merchants | 10%* (cap $50/month) | 0% |
| Tria Virtual | 1.5%* | — | ✓ | 0% Tria +1% Visa FX |
| Tria Signature | 4.5%* | — | ✓ | 0% Tria +1% Visa FX |
| Tria Premium | 6%* | — | ✓ | 0% Tria +1% Visa FX |
| KAST Standard | 1.5%* | — | — | low* |
| KAST Premium | 2%* | — | — | low* |
| KAST Private | 3%* | — | — | low* |
| COCA Starter | 1%* | 50% on AI subscriptions* | hotels up to 65% | 0% |
| COCA (stake 1,000) | 3–4%* | 50% on AI subscriptions* | hotels up to 65% | 0% |
| COCA (stake 30,000) | 8%* | 50% on AI subscriptions* | hotels up to 65% | 0% |
Plasma Oneuses a “ladder” model: the more you spend within your level, the higher the cashback rate - without category restrictions. Platinum additionally gives 10% for AI merchants and 10% airline cashback (cap $50/month).
Triaoffers fixed rates at levels: 1.5 / 4.5 / 6%. The main pitfall is the +1% Visa FX on top of Tria's zero commission: if you pay in a currency other than the base one, the final commission will be 1%, even on Premium.
KASTCashback is awarded in USD, not in tokens. For users who do not want to hold volatile assets, this is a plus. Private ($10,000/year) gives Visa Infinite V2 - one of the best sets of benefits on the market.
COCAbinds the rate to the volume of staking $COCA tokens: from 1% without stake to 8% with a stake of 30,000 $COCA. Provides 50% cashback on AI subscriptions (ChatGPT, Claude, Midjourney, etc.) and discounts of up to 65% on hotels.
Additional privileges
In addition to cashback, cards differ in their range of travel privileges and services:
| Map | Lounge | eSIM | FX commission |
|---|---|---|---|
| Plasma One Core/Platinum | ✓ Core & Platinum | ✓ Core & Platinum | ✓ 0% Platinum |
| Tria Signature/Premium | ✓ Visa lounges | ✓ | 0% Tria (+1% Visa FX) |
| KAST Premium/Private | ✓ Visa Infinite V2 | ✓ | low conversion* |
| COCA | — | planned | 0% |
Tria (Visa lounges), KAST Private (Visa Infinite V2) and Plasma One Core/Platinum have lounge access. eSIM - for Plasma One Core/Platinum and Tria (all levels). COCA promises an eSIM in the future, but the feature hasn't launched yet.
Pros and cons
| Map | Pros | Cons |
|---|---|---|
| Plasma One | Graduated cashback + AI merchants + airline cashback | Platinum requires 100,000 XPL locked |
| Tria | High cashback 6% on Premium, lounges, eSIM | Additional 1% Visa FX even on Premium plan |
| KAST | Stable USD cashback, Visa Infinite Private | Premium from $1,000/year - expensive; Private $10,000/year |
| COCA | 0% FX, AI subscriptions 50%, hotels 65% | eSIM is only planned; $COCA steak is a volatile asset |
How to choose: scenarios
- Maximum cashback without staking.Tria Premium ($220/year) - 6% on all purchases, lounges, eSIM. Pays for itself when spending from ~$3,700/year.
- Love to fly and keep XPL.Plasma One Platinum - 4% cashback + 10% airfare (cap $50/month). For air travel of $500+/month there is no cap.
- AI subscriptions and zero FX.COCA - 50% cashback on ChatGPT/Claude/Midjourney, 0% FX, hotels with 65% discount. Optimal for digital nomad.
- Stable USD cashback without tokens.KAST Standard (free) - 1.5% in USD. KAST Premium/Private - for high spending volumes and the need for Visa Infinite.
- You start from scratch.KAST Standard ($0) or Plasma One Lite ($0) - minimal risk and entry threshold.
Current comparison and links to registration are on the pagecrypto cards POOL BTC.
Frequently asked questions
What is a crypto card and how is it different from a regular card?
Crypto card is a debit or prepaid Visa/Mastercard linked to a crypto wallet. When paying, cryptocurrency is automatically converted to fiat. The main differences: cashback is awarded in tokens or USD, and not in bonus points; often zero FX commission for foreign spending.
Is it safe to store money on a crypto card?
Most crypto cards are not bankable - the funds are not insured by government schemes. It is recommended to keep only the amount of current expenses on the card, and not long-term savings.
What does the asterisk (*) mean next to the cashback percentage?
The cashback percentage depends on the tariff conditions, excluded categories, limits and the current program. Always check the official app for current conditions - marketing materials may not reflect the latest changes.
Is it possible to receive several crypto cards at the same time?
Technically yes. In practice, each card has its own KYC requirements and terms of use. Some users combine: for example, COCA for AI subscriptions (50% cashback) and Plasma One Platinum for airline subscriptions (10% airline cashback).
What is $COCA staking and why is it needed?
Staking is a temporary blocking of $COCA tokens in a smart contract to receive card benefits. The more tokens are locked, the higher the cashback rate (up to 8%). Risk: $COCA is a volatile token and its price may decline, effectively increasing the cost of the card.