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Kolo Card vs OrbitX Card

Kolo Card scores higher on the G2M score: 46/100 against 43/100 (#30 and #32 of 37 cards). Kolo Card also comes out ahead on cashback, a lower annual fee, a lower FX fee and more countries.

Kolo Card46

#30 of 37 · 1% to 2% back · annual fee none

Get KoloRead the review
OrbitX Card43

#32 of 37 · Not published back · annual fee $12

Get OrbitXRead the review

The short answer

  • Kolo Card scores higher on the G2M score: 46/100 against 43/100 (#30 and #32 of 37 cards).
  • Kolo Card pays 1% cashback on its entry tier; OrbitX Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.
  • Kolo Card has no annual fee; OrbitX Card costs $12 a year.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.
  • 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 non-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
OrbitX Card
G2M score
46 (better)
43
Base cashback
1%
Not published
Max cashback
2%
Not published
Paid in
BTC, daily
Not published
Annual fee
Free (better)
$12
FX fee
1.4% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
1%
$0.20
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.
Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux
Network
Visa
Visa
Card type
Debit
Varies by region
Custody
Non-custodial
Non-custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Yes
Unclear
United States
Unclear
Unclear
United Kingdom
Yes
Unclear
EU / EEA
Unclear
Unclear
Countries
60
No published country list. OrbitX focuses on Latin America, East Asia, Africa and the Middle East. The international card is not for US citizens; a separate US card agreement exists.
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
9 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
Not confirmed
Yield on your balance
No
Yes
Tiers
Kolo Card
Neo · Lux
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Named bank accounts in 9 currencies: USD, EUR, GBP, AED, NGN, BRL, MXN, COP, PHP · Send money to 100+ countries in your own name · Yield on USDC through on-chain strategies · Funds on Base and Polygon; Solana and Tron coming · Visa Platinum

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 OrbitX Card?

Kolo Card scores higher on the G2M score: 46/100 against 43/100 (#30 and #32 of 37 cards). Kolo Card also comes out ahead on cashback, a lower annual fee, 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 OrbitX Card?

Kolo Card has no annual fee; OrbitX Card costs $12 a year. Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.

Which pays more cashback, Kolo Card or OrbitX Card?

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

Which works in more countries, Kolo Card or OrbitX 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 Kolo Card and OrbitX Card?

Both are non-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.