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Kolo Card vs Pionex Visa Card

Pionex Visa Card scores higher on the G2M score: 49/100 against 46/100 (#22 and #26 of 28 cards). Pick Kolo Card for more countries and control of your funds; pick Pionex Visa Card for a lower FX fee.

Kolo Card46

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

Get KoloRead the review
Pionex Visa Card49

#22 of 28 · 1% back · annual fee none

Get PionexRead the review

The short answer

  • Pionex Visa Card scores higher on the G2M score: 49/100 against 46/100 (#22 and #26 of 28 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 2% on Kolo Card.
  • Neither card has an annual fee.
  • Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.4%.
  • 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.
  • Kolo Card is self-custodial; Pionex Visa 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
Pionex Visa Card
G2M score
46
49 (better)
Base cashback
1%
1%
Max cashback
2% (better)
1%
Paid in
BTC, daily
USDT
Annual fee
Free
Free
FX fee
1.4%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
1%
1% + $0.20 at or under $5, first 1 a month free
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.
2% (physical card only; physical cards are not open to new applicants)
Network
Visa
Visa
Card type
Debit
Debit
Custody
Self-custodial
Custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Yes
Unclear
United States
Unclear
No
United Kingdom
Yes
No
EU / EEA
Unclear
Unclear
Countries
60
Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China
Bank account (IBAN or account number)
No
No
Send money to a bank account
1 currency
Not confirmed
Buy and sell crypto with fiat
Sell only
Buy only
Spend against crypto without selling
No
Not confirmed
Yield on your balance
No
Yes
Tiers
Kolo Card
Visa
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links

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 Pionex Visa Card?

Pionex Visa Card scores higher on the G2M score: 49/100 against 46/100 (#22 and #26 of 28 cards). Pick Kolo Card for more countries and control of your funds; pick Pionex Visa Card for 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, Kolo Card or Pionex Visa Card?

Neither card has an annual fee. Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.4%.

Which pays more cashback, Kolo Card or Pionex Visa 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 Pionex Visa 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 Pionex Visa Card?

Kolo Card is self-custodial; Pionex Visa 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.