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Exa Card vs Kolo Card

Exa Card scores higher on the G2M score: 67/100 against 46/100 (#9 and #25 of 26 cards). Pick Exa Card for more countries; pick Kolo Card for a lower FX fee.

Exa Card67

#9 of 26 · 1% back · annual fee none

Get ExactlyRead the review
Kolo Card46

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

Get KoloRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 46/100 (#9 and #25 of 26 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 2% on Kolo Card.
  • Neither card has an annual fee.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.
  • Exa Card lists 46 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 Exa Card is confirmed in United States, and only Kolo Card is confirmed in United Kingdom.
  • 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

Detail
Exa Card
Kolo Card
G2M score
67 (better)
46
Base cashback
1%
1%
Max cashback
1%
2% (better)
Paid in
Not published
BTC, daily
Annual fee
Free
Free
FX fee
1.5%
1.4% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
1%
ATM
$1 + 0.65% per withdrawal; up to $250 each
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
Visa
Card type
Varies by region
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Yes
United States
Yes
Unclear
United Kingdom
No
Yes
EU / EEA
No
Unclear
Countries
46
60
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
3 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Sell only
Spend against crypto without selling
Yes
No
Yield on your balance
Yes
No
Tiers
Global · United States
Kolo Card
Perks
Concierge · Extended warranty · Purchase 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, Exa Card or Kolo Card?

Exa Card scores higher on the G2M score: 67/100 against 46/100 (#9 and #25 of 26 cards). Pick Exa Card for more countries; pick Kolo Card for a lower FX fee. 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, Exa Card or Kolo Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.

Which pays more cashback, Exa Card or Kolo Card?

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

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

Exa Card lists 46 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 Exa Card is confirmed in United States, and only Kolo Card is confirmed in United Kingdom.

Who holds my funds with Exa 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.

Exa Card vs Kolo Card: fees, cashback and countries compared · G2M