[ head to head ]

Crypto.com Visa Card vs Kolo Card

Crypto.com Visa Card49

#21 of 26 · Up to 6% back · annual fee none

Get Crypto.com Read the review

Kolo Card46

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

Get Kolo Read the review

The short answer

Crypto.com Visa Card scores higher on the G2M score: 49/100 against 46/100 (#21 and #25 of 26 cards).
Kolo Card pays 1% cashback on its entry tier; Crypto.com Visa Card does not publish a rate. Higher tiers go up to 6% on Crypto.com Visa Card and 2% on Kolo Card.
Neither card has an annual fee.
Kolo Card charges less on foreign currency: a 1.4% FX fee against 3%.
Crypto.com Visa Card is confirmed in more countries: 37 against 3, though neither publishes a full list. Of the markets we check for every card, only Crypto.com Visa Card is confirmed in United States and EU / EEA, and only Kolo Card is confirmed in UAE.
Crypto.com Visa 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

Crypto.com Visa Card

Kolo Card

G2M score

Base cashback

Not published

Max cashback

Paid in

CRO

BTC, daily

Annual fee

Free

FX fee

1.4%

Top-up fee

Per-purchase fee

None listed

ATM

Supported; fees not published in our sources

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 / Mastercard

Visa

Card type

Varies by region

Debit

Custody

Custodial

Self-custodial

Formats

virtual, physical

virtual

Apple / Google Pay

? / ?

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

Yes

Unclear

United Kingdom

Yes

EU / EEA

Yes

Unclear

Countries

Bank account (IBAN or account number)

In your name

Send money to a bank account

7 currencies

1 currency

Buy and sell crypto with fiat

Buy and sell

Sell only

Spend against crypto without selling

Yield on your balance

Yes

Tiers

Basic · Level Up (top tier)

Kolo Card

Perks

Level Up membership benefits · Up to 5% back in CRO on the prepaid card · Higher APY on cash balances

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, Crypto.com Visa Card or Kolo Card?

Crypto.com Visa Card scores higher on the G2M score: 49/100 against 46/100 (#21 and #25 of 26 cards). Pick Crypto.com Visa Card for more countries; pick Kolo Card for cashback, a lower FX fee 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, Crypto.com Visa Card or Kolo Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 3%.

Which pays more cashback, Crypto.com Visa Card or Kolo Card?

Kolo Card pays 1% cashback on its entry tier; Crypto.com Visa Card does not publish a rate. Higher tiers go up to 6% on Crypto.com Visa Card and 2% on Kolo Card.

Which works in more countries, Crypto.com Visa Card or Kolo Card?

Crypto.com Visa Card is confirmed in more countries: 37 against 3, though neither publishes a full list. Of the markets we check for every card, only Crypto.com Visa Card is confirmed in United States and EU / EEA, and only Kolo Card is confirmed in UAE.

Who holds my funds with Crypto.com Visa Card and Kolo Card?

Crypto.com Visa 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.