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Kolo Card vs PEXX Card

PEXX Card scores higher on the G2M score: 62/100 against 46/100 (#19 and #32 of 39 cards). Pick Kolo Card for control of your funds; pick PEXX Card for a lower FX fee and more countries.

Kolo Card46

#32 of 39 · 1% to 2% back · annual fee none

Get KoloRead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • PEXX Card scores higher on the G2M score: 62/100 against 46/100 (#19 and #32 of 39 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 2% on Kolo Card.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.4%.
  • PEXX Card lists 68 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 PEXX Card is confirmed in EU / EEA.
  • Kolo Card is non-custodial; PEXX 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
PEXX Card
G2M score
46
62 (better)
Base cashback
1%
1%
Max cashback
2% (better)
1%
Paid in
BTC, daily
PEXX Points
Annual fee
Free
Free
FX fee
1.4%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
1%
0.6%
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.
Not published
Network
Visa
Visa / Mastercard
Card type
Debit
Debit
Custody
Non-custodial
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, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Yes
Yes
United States
Unclear
No
United Kingdom
Yes
Yes
EU / EEA
Unclear
Yes
Countries
60
68
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
17 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
PEXX Card
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

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 PEXX Card?

PEXX Card scores higher on the G2M score: 62/100 against 46/100 (#19 and #32 of 39 cards). Pick Kolo Card for control of your funds; pick PEXX 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 PEXX Card?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.4%.

Which pays more cashback, Kolo Card or PEXX Card?

Both pay 1% cashback on their entry tier. Higher tiers go up to 2% on Kolo Card.

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

PEXX Card lists 68 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 PEXX Card is confirmed in EU / EEA.

Who holds my funds with Kolo Card and PEXX Card?

Kolo Card is non-custodial; PEXX 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.