[ head to head ]

Karta.io Card vs Kolo Card

Kolo Card scores higher on the G2M score: 46/100 against 40/100 (#25 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Kolo Card for cashback and more countries.

Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.io Read the review

Kolo Card46

#25 of 26 · 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 40/100 (#25 and #26 of 26 cards).
Kolo Card pays 1% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.
Neither card has an annual fee.
Karta.io Card charges less on foreign currency: a 1% FX fee against 1.4%.
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.
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

Karta.io Card

Kolo Card

G2M score

Base cashback

Not published

Max cashback

Not published

Paid in

Not published

BTC, daily

Annual fee

Free

FX fee

1.4%

Top-up fee

Per-purchase fee

1.5%

ATM

1 USDT + 2.5% per withdrawal

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

Prepaid

Debit

Custody

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

Not published; depends on local rules and card partners

Bank account (IBAN or account number)

In your name

Send money to a bank account

1 currency

Buy and sell crypto with fiat

Buy only

Sell only

Spend against crypto without selling

Yield on your balance

Tiers

Karta Personal

Kolo Card

Perks

Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

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, Karta.io Card or Kolo Card?

Kolo Card scores higher on the G2M score: 46/100 against 40/100 (#25 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Kolo Card for cashback 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, Karta.io Card or Kolo Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 1.4%.

Which pays more cashback, Karta.io Card or Kolo Card?

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

Which works in more countries, Karta.io 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 Karta.io 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.