[ head to head ]

COCA Card vs Kolo Card

COCA Card scores higher on the G2M score: 64/100 against 46/100 (#12 and #25 of 26 cards). COCA Card also comes out ahead on more countries.

COCA Card64

#12 of 26 · 1% to 8% back · annual fee none

Get COCA Read the review

Kolo Card46

#25 of 26 · 1% to 2% back · annual fee none

Get Kolo Read the review

The short answer

COCA Card scores higher on the G2M score: 64/100 against 46/100 (#12 and #25 of 26 cards).
Both pay 1% cashback on their entry tier. Higher tiers go up to 8% on COCA Card and 2% on Kolo Card.
Neither card has an annual fee.
Kolo Card charges 1.4% on foreign currency; COCA Card does not publish its FX fee.
COCA Card lists 73 countries where it works; Kolo Card does not publish a full country list (3 confirmed so far). Of the markets we check for every card, only COCA Card is confirmed in EU / EEA.
Both are 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

COCA Card

Kolo Card

G2M score

Base cashback

Max cashback

Paid in

Stablecoins, monthly

BTC, daily

Annual fee

Free

FX fee

Not published

1.4%

Top-up fee

Per-purchase fee

None listed

ATM

Free up to $250 a month, then 2%

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

Card type

Debit

Custody

Self-custodial

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Yes

United States

Unclear

United Kingdom

Yes

EU / EEA

Yes

Unclear

Countries

Bank account (IBAN or account number)

In your name

Send money to a bank account

1 currency

Buy and sell crypto with fiat

Buy and sell

Sell only

Spend against crypto without selling

Yield on your balance

Yes

Tiers

Starter · Standard · Standard+ · Premium · Premium+ · Elite

Kolo Card

Perks

Yield on your card balance (variable) · 50% back on 1 subscription · 50% back on 2 subscriptions · 50% back on 3 subscriptions · 50% back on 4 subscriptions

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, COCA Card or Kolo Card?

COCA Card scores higher on the G2M score: 64/100 against 46/100 (#12 and #25 of 26 cards). COCA Card also comes out ahead on more countries. 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, COCA Card or Kolo Card?

Neither card has an annual fee. Kolo Card charges 1.4% on foreign currency; COCA Card does not publish its FX fee.

Which pays more cashback, COCA Card or Kolo Card?

Both pay 1% cashback on their entry tier. Higher tiers go up to 8% on COCA Card and 2% on Kolo Card.

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

COCA Card lists 73 countries where it works; Kolo Card does not publish a full country list (3 confirmed so far). Of the markets we check for every card, only COCA Card is confirmed in EU / EEA.

Who holds my funds with COCA Card and Kolo Card?

Both are 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.