[ head to head ]

DogPay Card vs Kolo Card

Kolo Card scores higher on the G2M score: 46/100 against 33/100 (#26 and #28 of 28 cards). Kolo Card also comes out ahead on cashback, more countries and control of your funds.

DogPay Card33

#28 of 28 · Not published back · annual fee none

Get DogPay Read the review

Kolo Card46

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

Get Kolo Read the review

The short answer

Kolo Card scores higher on the G2M score: 46/100 against 33/100 (#26 and #28 of 28 cards).
Kolo Card pays 1% cashback on its entry tier; DogPay Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.
Neither card has an annual fee.
Kolo Card charges 1.4% on foreign currency; DogPay Card does not publish its FX fee.
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.
DogPay 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

DogPay Card

Kolo Card

G2M score

Base cashback

Not published

Max cashback

Not published

Paid in

Not published

BTC, daily

Annual fee

Free

FX fee

Not published

1.4%

Top-up fee

Per-purchase fee

None listed

ATM

Physical card at supported ATMs; fee 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 / Mastercard

Visa

Card type

Prepaid

Debit

Custody

Custodial

Self-custodial

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

Unclear

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Countries

Depends on your region and identity checks; no country list published

Bank account (IBAN or account number)

In your name

Send money to a bank account

1 currency

Buy and sell crypto with fiat

Sell only

Spend against crypto without selling

Not confirmed

Yield on your balance

Yes

Tiers

Basic · Premium · Platinum · Ultra

Kolo Card

Perks

Personal USD account (ACH, Fedwire, SWIFT) · 6% a year on stablecoins (Earn) · Card top-up fee 1% · $10 per virtual card · Up to 2 cards

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, DogPay Card or Kolo Card?

Kolo Card scores higher on the G2M score: 46/100 against 33/100 (#26 and #28 of 28 cards). Kolo Card also comes out ahead on 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, DogPay Card or Kolo Card?

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

Which pays more cashback, DogPay Card or Kolo Card?

Kolo Card pays 1% cashback on its entry tier; DogPay Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.

Which works in more countries, DogPay 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 DogPay Card and Kolo Card?

DogPay 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.