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Coinbase One Card vs Kolo Card

Coinbase One Card scores higher on the G2M score: 62/100 against 46/100 (#14 and #25 of 26 cards). Pick Coinbase One Card for cashback and a lower FX fee; pick Kolo Card for a lower annual fee, more countries and control of your funds.

Coinbase One Card62

#14 of 26 · 2% to 4% back · annual fee $49.99

Get CoinbaseRead the review
Kolo Card46

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

Get KoloRead the review

The short answer

  • Coinbase One Card scores higher on the G2M score: 62/100 against 46/100 (#14 and #25 of 26 cards).
  • Coinbase One Card pays more cashback on its entry tier: 2% against 1%. Higher tiers go up to 4% on Coinbase One Card and 2% on Kolo Card.
  • Kolo Card has no annual fee; Coinbase One Card costs $49.99 a year.
  • Coinbase One Card charges less on foreign currency: a 0% FX fee against 1.4%.
  • Coinbase One Card lists 1 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 Coinbase One Card is confirmed in United States, and only Kolo Card is confirmed in United Kingdom and UAE.
  • Coinbase One 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
Coinbase One Card
Kolo Card
G2M score
62 (better)
46
Base cashback
2% (better)
1%
Max cashback
4% (better)
2%
Paid in
Not published
BTC, daily
Annual fee
$49.99
Free (better)
FX fee
0% (better)
1.4%
Top-up fee
0%
0%
Per-purchase fee
None listed
1%
ATM
Cash advance: the greater of $10 or 5%
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
Amex
Visa
Card type
Credit
Debit
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Yes
United States
Yes
Unclear
United Kingdom
No
Yes
EU / EEA
No
Unclear
Countries
1
60
Bank account (IBAN or account number)
No
No
Send money to a bank account
Not confirmed
1 currency
Buy and sell crypto with fiat
Buy and sell
Sell only
Spend against crypto without selling
No
No
Yield on your balance
Not confirmed
No
Tiers
Coinbase One Card
Kolo Card
Perks
—
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, Coinbase One Card or Kolo Card?

Coinbase One Card scores higher on the G2M score: 62/100 against 46/100 (#14 and #25 of 26 cards). Pick Coinbase One Card for cashback and a lower FX fee; pick Kolo Card for a lower annual fee, 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, Coinbase One Card or Kolo Card?

Kolo Card has no annual fee; Coinbase One Card costs $49.99 a year. Coinbase One Card charges less on foreign currency: a 0% FX fee against 1.4%.

Which pays more cashback, Coinbase One Card or Kolo Card?

Coinbase One Card pays more cashback on its entry tier: 2% against 1%. Higher tiers go up to 4% on Coinbase One Card and 2% on Kolo Card.

Which works in more countries, Coinbase One Card or Kolo Card?

Coinbase One Card lists 1 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 Coinbase One Card is confirmed in United States, and only Kolo Card is confirmed in United Kingdom and UAE.

Who holds my funds with Coinbase One Card and Kolo Card?

Coinbase One 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.