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Cashi Card vs Kolo Card

Kolo Card scores higher on the G2M score: 46/100 against 43/100 (#28 and #29 of 31 cards). Pick Cashi Card for a lower FX fee; pick Kolo Card for cashback, more countries and control of your funds.

Cashi Card43

#29 of 31 · 0% to 3% back · annual fee none

Get CashiRead the review
Kolo Card46

#28 of 31 · 1% to 2% back · annual fee none

Get KoloRead the review

The short answer

  • Kolo Card scores higher on the G2M score: 46/100 against 43/100 (#28 and #29 of 31 cards).
  • Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 3% on Cashi Card and 2% on Kolo Card.
  • Neither card has an annual fee.
  • Cashi Card charges less on foreign currency: a 1% FX fee against 1.4%.
  • Kolo Card is confirmed in more countries: 3 against 0, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE.
  • Cashi Card is custodial; Kolo Card is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Cashi Card
Kolo Card
G2M score
43
46 (better)
Base cashback
0%
1% (better)
Max cashback
3% (better)
2%
Paid in
Spending credit
BTC, daily
Annual fee
Free
Free
FX fee
1% (better)
1.4%
Top-up fee
0%
0%
Per-purchase fee
None listed
1%
ATM
Not published
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.
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
No / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Unclear
Yes
United States
Unclear
Unclear
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Unclear
Countries
App in 100+ countries; Cashi does not publish a card country list
60
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
20 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Sell only
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
No
Tiers
Cashi Card
Kolo Card
Perks
Personal USD account · Cash in and out in 20+ currencies · 3% on subscriptions, 2% online, 1% travel (capped)
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Cashi Card or Kolo Card?

Kolo Card scores higher on the G2M score: 46/100 against 43/100 (#28 and #29 of 31 cards). Pick Cashi Card for a lower FX fee; pick Kolo Card for cashback, more countries and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Cashi Card or Kolo Card?

Neither card has an annual fee. Cashi Card charges less on foreign currency: a 1% FX fee against 1.4%.

Which pays more cashback, Cashi Card or Kolo Card?

Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 3% on Cashi Card and 2% on Kolo Card.

Which works in more countries, Cashi Card or Kolo Card?

Kolo Card is confirmed in more countries: 3 against 0, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE.

Who holds my funds with Cashi Card and Kolo Card?

Cashi Card is custodial; Kolo Card is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.

Cashi Card vs Kolo Card: fees, cashback and countries compared · G2M