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Kolo Card vs Plasma One

Plasma One scores higher on the G2M score: 61/100 against 46/100 (#16 and #25 of 26 cards). Pick Kolo Card for a lower FX fee and more countries; pick Plasma One for cashback.

Kolo Card46

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

Get KoloRead the review
Plasma One61

#16 of 26 · 2% to 4% back · annual fee none

Get PlasmaRead the review

The short answer

  • Plasma One scores higher on the G2M score: 61/100 against 46/100 (#16 and #25 of 26 cards).
  • Plasma One pays more cashback on its entry tier: 2% against 1%. Higher tiers go up to 2% on Kolo Card and 4% on Plasma One.
  • Neither card has an annual fee.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.
  • Kolo Card is confirmed in more countries: 3 against 1, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE, and only Plasma One is confirmed in United States.
  • 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
Kolo Card
Plasma One
G2M score
46
61 (better)
Base cashback
1%
2% (better)
Max cashback
2%
4% (better)
Paid in
BTC, daily
XPL, weekly
Annual fee
Free
Free
FX fee
1.4% (better)
2%
Top-up fee
0% (better)
0.15%
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.
$2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
Network
Visa
Visa
Card type
Debit
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Yes
Unclear
United States
Unclear
Yes
United Kingdom
Yes
Unclear
EU / EEA
Unclear
Unclear
Countries
60
Growing list of countries, full list not published; the US in 31 states
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
19 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
Lite · Core · Platinum
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Earn on your balance until you spend it (variable rate) · Free USDT transfers on Plasma · 1 free virtual card · 5% on AI merchants (first $250 a month) · ChatGPT Go subscription

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 Plasma One?

Plasma One scores higher on the G2M score: 61/100 against 46/100 (#16 and #25 of 26 cards). Pick Kolo Card for a lower FX fee and more countries; pick Plasma One for cashback. 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 Plasma One?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.

Which pays more cashback, Kolo Card or Plasma One?

Plasma One pays more cashback on its entry tier: 2% against 1%. Higher tiers go up to 2% on Kolo Card and 4% on Plasma One.

Which works in more countries, Kolo Card or Plasma One?

Kolo Card is confirmed in more countries: 3 against 1, though neither publishes a full list. Of the markets we check for every card, only Kolo Card is confirmed in United Kingdom and UAE, and only Plasma One is confirmed in United States.

Who holds my funds with Kolo Card and Plasma One?

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.

Kolo Card vs Plasma One: fees, cashback and countries compared · G2M