[ head to head ]

KAST Card vs Kolo Card

KAST Card scores higher on the G2M score: 66/100 against 46/100 (#10 and #25 of 26 cards). Pick KAST Card for cashback; pick Kolo Card for a lower FX fee and more countries.

KAST Card66

#10 of 26 · 1.5% to 3% back · annual fee none

Get KAST Read the review

Kolo Card46

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

Get Kolo Read the review

The short answer

KAST Card scores higher on the G2M score: 66/100 against 46/100 (#10 and #25 of 26 cards).
KAST Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 3% on KAST 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 2%.
Kolo Card is confirmed in more countries: 3 against 2, though neither publishes a full list. Of the markets we check for every card, only KAST Card is confirmed in United States, and only Kolo Card is confirmed in United Kingdom and UAE.
KAST Card is custodial or self-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

KAST Card

Kolo Card

G2M score

Base cashback

1.5%

Max cashback

Paid in

USD plus KAST Points

BTC, daily

Annual fee

Free

FX fee

1.4%

Top-up fee

Per-purchase fee

$0.10 under $25 (non-USD)

ATM

$3 + 2%; up to $250 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

Credit

Debit

Custody

Custodial or self-custodial

Self-custodial

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

Yes

Unclear

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Countries

Global (full country list not published)

Bank account (IBAN or account number)

In your name

Send money to a bank account

38 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

Standard · Premium · Private

Kolo Card

Perks

Concierge on every tier · Concierge · +1% back in KAST Points · +2% back in KAST Points

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, KAST Card or Kolo Card?

KAST Card scores higher on the G2M score: 66/100 against 46/100 (#10 and #25 of 26 cards). Pick KAST Card for cashback; pick Kolo Card for 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, KAST Card or Kolo Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.

Which pays more cashback, KAST Card or Kolo Card?

KAST Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 3% on KAST Card and 2% on Kolo Card.

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

Kolo Card is confirmed in more countries: 3 against 2, though neither publishes a full list. Of the markets we check for every card, only KAST Card is confirmed in United States, and only Kolo Card is confirmed in United Kingdom and UAE.

Who holds my funds with KAST Card and Kolo Card?

KAST Card is custodial or self-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.