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MOCA has four categories of cards for people – a check card, stored value cards, credit cards, and a gift card. All MOCA Cards come with an extensive set of card controls, the ability to turn your card on and off, and of course, real-time transaction alerts. MOCA Cards also let you set spending limits by transaction, day, week, and month, set geographic restrictions, and block merchant categories. In addition, you can lock any MOCA Card down to a single merchant for online transactions, among other things. All MOCA Cards can also be controlled and monitored through your phone or your computer.

MOCA Prime, Cash, Sentinel, Elite, Heritage, Liberty, and Patriot Cards also feature an encrypted EMV chip, are contactless, and are compatible with all the popular digital wallets - Apple Pay, Google Pay, Samsung Pay, LG Pay, Garmin Pay, and Fitbit Pay.

MOCA Prime Card

A MOCA Prime Card is your primary card, and it is linked to your checking account. You can use it in stores, online, with a digital wallet, and to get cash from an ATM or cash back at a merchant, just like any other debit card.

MOCA Cash Card

A MOCA Cash Card is a reloadable prepaid card. You can issue one to yourself and someone who receives money through MocaMoney can also choose to get one. Like other prepaid cards, it has a balance that cannot be exceeded, but you can add money to it whenever you like from your MOCA Prime account or another MOCA Card. MOCA Cash Cards can also be used in stores, online, with a digital wallet, and to get cash from an ATM or cash back at a merchant.

MOCA Sentinel Card

A MOCA Sentinel Card is simply a MOCA Cash Card that you issue to someone with the ability to monitor transactions in real-time as well as implement card controls, such as transaction, daily, weekly, or monthly spending limits, daily card curfews, and blocking certain merchant categories, among other things. You can also block, cancel, or recall the money on the card at any time. Perfect for minors in your household or elderly parents! As an added bonus, it is a safe, stress-free way to teach your children how to be responsible with money. The Sentinel Card is a prepaid card so it has a balance that cannot be exceeded, but you can add money to it on demand from your Prime account or another MOCA Card whenever you like. MOCA Sentinel Cards can also be used in stores, online, with a digital wallet, and to get cash from an ATM or cash back at a merchant. Just so you know, the cardholder will know their transactions are being monitored.

MOCA Elite Card

A MOCA Elite Card is similar to a Prime Card but it is linked to your line of credit instead of your checking account. It is an access device for your line of credit and automatically tops off funds as needed to fund transactions. MOCA Elite Cards can also be used in stores, online, in a digital wallet, or to get cash from an ATM or cash back at a merchant terminal.

MOCA Heritage Card

A MOCA Heritage Card is a card that you issue to someone that is linked to your line of credit but also allows you to set daily, weekly, or monthly spending limits. In addition, you can monitor transactions in real-time as well as implement card controls, such as transaction limits, daily card curfews, and blocking certain merchant categories, among other things. You can also block or cancel the card at any time. Perfect for minors in your household or elderly parents! MOCA Heritage Cards can also be used in stores, online, with a digital wallet, and to get cash from an ATM or cash back at a merchant. Just so you know, the cardholder will know their transactions are being monitored.

MOCA Liberty Credit Card

A MOCA Liberty Credit Card works like most other credit cards, only better. In addition to earning you unlimited cash-back rewards, you can control your Liberty Credit Card through our desktop or mobile app. Real-time transaction alerts come standard, including an immediate card-off option, as does the ability to attach a receipt or other document to every transaction. Want P2P payments? The Liberty Credit Card has them. Need to share your credit limit with a family member? The Liberty Credit Card lets you self-issue a virtual or physical MOCA Patriot Credit Card to someone else while setting the daily, weekly, or monthly spending limit. Security, convenience, and unlimited cash-back rewards are just some of the things that make the MOCA Liberty Credit Card the smart choice.

MOCA Patriot Credit Card

A MOCA Patriot Credit Card shares the credit limit on your MOCA Liberty Credit Card. It’s a credit card that you self-issue to someone without worrying about overspending because you designate a portion of the Liberty Credit Card’s credit line as a daily, weekly, or monthly spending limit on the card. You can also implement card controls, such as transaction limits, daily card curfews, and blocking certain merchant categories, among other things. Want more control? You can block, cancel, or recall the credit limit on the card at any time. Perfect for minors in your household or elderly parents! The card also earns unlimited cash-back rewards for you when a cardholder uses it.

MOCA Gift Card

A MOCA Gift Card is a standard gift card. It can be used anywhere Visa is accepted, including online, but you cannot get cash back from a merchant or cash at an ATM. MOCA Gift Cards have a $1,000 limit.