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Kite Card vs Kolo Card

Kite Card scores higher on the G2M score: 49/100 against 46/100 (#24 and #28 of 31 cards). Pick Kite Card for more countries; pick Kolo Card for cashback and a lower FX fee.

Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review
Kolo Card46

#28 of 31 · 1% to 2% back · annual fee none

Get KoloRead the review

The short answer

  • Kite Card scores higher on the G2M score: 49/100 against 46/100 (#24 and #28 of 31 cards).
  • Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite 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 1.8%.
  • Kite Card lists 9 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 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

Detail
Kite Card
Kolo Card
G2M score
49 (better)
46
Base cashback
0%
1% (better)
Max cashback
5% (better)
2%
Paid in
USD
BTC, daily
Annual fee
Free
Free
FX fee
1.8%
1.4% (better)
Top-up fee
0.53%
0% (better)
Per-purchase fee
None listed
1%
ATM
Coming soon
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
Prepaid
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Yes
United States
No
Unclear
United Kingdom
No
Yes
EU / EEA
No
Unclear
Countries
9
60
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
17 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Sell only
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
No
Tiers
Kite Card
Kolo Card
Perks
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)
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, Kite Card or Kolo Card?

Kite Card scores higher on the G2M score: 49/100 against 46/100 (#24 and #28 of 31 cards). Pick Kite Card for more countries; pick Kolo Card for cashback and 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, Kite Card or Kolo Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.8%.

Which pays more cashback, Kite Card or Kolo Card?

Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card and 2% on Kolo Card.

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

Kite Card lists 9 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 Kolo Card is confirmed in United Kingdom and UAE.

Who holds my funds with Kite 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.