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Kolo Card vs Krak Card

Krak Card scores higher on the G2M score: 60/100 against 46/100 (#18 and #25 of 26 cards). Pick Kolo Card for cashback and control of your funds; pick Krak Card for a lower FX fee and more countries.

Kolo Card46

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

Get KoloRead the review
Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review

The short answer

  • Krak Card scores higher on the G2M score: 60/100 against 46/100 (#18 and #25 of 26 cards).
  • Kolo Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Kolo Card and 2% on Krak Card.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 1.4%.
  • Krak Card lists 32 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 UAE, and only Krak Card is confirmed in United States and EU / EEA.
  • Kolo Card is self-custodial; Krak Card is 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
Kolo Card
Krak Card
G2M score
46
60 (better)
Base cashback
1%
Not published
Max cashback
2%
2%
Paid in
BTC, daily
Not published
Annual fee
Free
Free
FX fee
1.4%
1% (better)
Top-up fee
0%
0%
Per-purchase fee
1%
None listed
ATM
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.
Supported; fees not published
Network
Visa
Visa / Mastercard
Card type
Debit
Debit
Custody
Self-custodial
Custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Yes
No
United States
Unclear
Yes
United Kingdom
Yes
Yes
EU / EEA
Unclear
Yes
Countries
60
32
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
3 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Kolo Card
Krak Card
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
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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, Kolo Card or Krak Card?

Krak Card scores higher on the G2M score: 60/100 against 46/100 (#18 and #25 of 26 cards). Pick Kolo Card for cashback and control of your funds; pick Krak 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, Kolo Card or Krak Card?

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

Which pays more cashback, Kolo Card or Krak Card?

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

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

Krak Card lists 32 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 UAE, and only Krak Card is confirmed in United States and EU / EEA.

Who holds my funds with Kolo Card and Krak Card?

Kolo Card is self-custodial; Krak Card is 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.