[ head to head ]

ether.fi Cash Card vs Kolo Card

ether.fi Cash Card scores higher on the G2M score: 80/100 against 46/100 (#2 and #25 of 26 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee and more countries.

ether.fi Cash Card80

#2 of 26 · 3% to 4% back · annual fee Not published

Get ether.fi Read the review

Kolo Card46

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

Get Kolo Read the review

The short answer

ether.fi Cash Card scores higher on the G2M score: 80/100 against 46/100 (#2 and #25 of 26 cards).
ether.fi Cash Card pays more cashback on its entry tier: 3% against 1%. Higher tiers go up to 4% on ether.fi Cash Card and 2% on Kolo Card.
Kolo Card has no annual fee; ether.fi Cash Card does not publish its annual fee.
ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1.4%.
ether.fi Cash Card lists 91 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 ether.fi Cash Card is confirmed in United States and 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

ether.fi Cash Card

Kolo Card

G2M score

Base cashback

Max cashback

Paid in

ETHFI

BTC, daily

Annual fee

Not published

Free

FX fee

0.5%

1.4%

Top-up fee

Per-purchase fee

None listed

ATM

Free: 10 a month on Core and Luxe, unlimited on Pinnacle and VIP. Up to $5,000 per withdrawal, 5 a day

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

Credit

Debit

Custody

Self-custodial

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

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

27 currencies

1 currency

Buy and sell crypto with fiat

Buy and sell

Sell only

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Core · Luxe · Pinnacle · VIP

Kolo Card

Perks

Airport lounge access on every tier · Visa Signature benefits · Airport lounge benefit · Visa concierge · Purchase and price protection

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, ether.fi Cash Card or Kolo Card?

ether.fi Cash Card scores higher on the G2M score: 80/100 against 46/100 (#2 and #25 of 26 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee and 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, ether.fi Cash Card or Kolo Card?

Kolo Card has no annual fee; ether.fi Cash Card does not publish its annual fee. ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1.4%.

Which pays more cashback, ether.fi Cash Card or Kolo Card?

ether.fi Cash Card pays more cashback on its entry tier: 3% against 1%. Higher tiers go up to 4% on ether.fi Cash Card and 2% on Kolo Card.

Which works in more countries, ether.fi Cash Card or Kolo Card?

ether.fi Cash Card lists 91 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 ether.fi Cash Card is confirmed in United States and EU / EEA.

Who holds my funds with ether.fi Cash 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.