#24 of 26VisaDebitNot published
Kolo Card
Virtual Visa debit card from Kolo that you fund with crypto. Pays 2% back in bitcoin for your first 30 days, then 1%.
Key facts
- Cashback
- 1% to 2% in BTC, daily
- Annual fee
- Free
- FX fee
- 1.4%
- Top-up fee
- 0%
- Per-purchase fee
- 1%
- ATM
- USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.
- Card types
- virtual
- Mobile wallets
- Apple Pay + Google Pay
Cashback: 2% for the first 30 days after activation, then 1%. Capped at $2 a purchase during the 2% period, $1 a purchase after, and $100 a month. Purchases under $1 earn nothing.
FX: Visa rate plus a surcharge when you pay in another currency. USD card: +1%. EUR card: +0.55% to +1.35%, depending on the currency.
G2M score worldwide
Rewards0/40
Fees23/30
Coverage13/20
Control4/10
Where it works
- IndiaNot confirmed
- UAEAvailable
- United StatesNot confirmed
- United KingdomAvailable
- EU / EEAAvailable
60+ countries incl. Europe, the UK and the UAE · 60 countries. Includes United Kingdom, United Arab Emirates.
Tiers and plans
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Kolo Card | Free | 1% | $100 | 1.4% | Free to join | 2% for the first 30 days |
What's good
- No issuance or monthly fee
- Cashback in bitcoin at any merchant, no category limits
- Available in the UAE and the UK
Watch out for
- 1% conversion fee on every purchase cancels out the 1% cashback
- Cashback drops to 1% after 30 days and is capped at $100 a month
- Virtual only until physical cards arrive (planned for 2027)
More details
- Other fees
- 1% conversion fee on every card payment · USD card: extra 1% on USD payments at non-US merchants · SEPA bank withdrawal: 1 EUR
- Perks
- Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account
- Spend from
- BTC, ETH, USDT, USDC, EURC, LTC
- Issuer
- Banco Popular de Puerto Rico (USD card); Wirex (EUR card)
Sources · last checked 22 Oct 2026
- Kolo Help Center: cashback program · 22 Oct 2026
- Kolo Help Center: fees and pricing · 22 Oct 2026
- Kolo Help Center: card overview · 22 Oct 2026
- Kolo Help Center: cash withdrawal · 22 Oct 2026
- Kolo: where Kolo works · 22 Oct 2026
Terms change often. Confirm fees and availability on the official Kolo site before you apply. Spotted something out of date? Tell us.