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Kolo Card vs Solayer Card

Solayer Card scores higher on the G2M score: 47/100 against 46/100 (#23 and #25 of 26 cards). Pick Kolo Card for cashback, a lower annual fee and a lower FX fee; pick Solayer Card for more countries.

Kolo Card46

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

Get KoloRead the review
Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review

The short answer

  • Solayer Card scores higher on the G2M score: 47/100 against 46/100 (#23 and #25 of 26 cards).
  • Kolo Card pays 1% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 2% on Kolo Card.
  • Kolo Card has no annual fee; Solayer Card costs $20 a year.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.
  • Solayer Card is confirmed in more countries: 154 against 3, 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 Solayer Card 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
Solayer Card
G2M score
46
47 (better)
Base cashback
1%
Not published
Max cashback
2%
Not published
Paid in
BTC, daily
Points
Annual fee
Free (better)
$20
FX fee
1.4% (better)
1.5%
Top-up fee
0% (better)
1%
Per-purchase fee
1%
$0.15
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; fee not published
Network
Visa
Visa
Card type
Debit
Credit
Custody
Self-custodial
Self-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
No
EU / EEA
Unclear
No
Countries
60
154
Bank account (IBAN or account number)
No
No
Send money to a bank account
1 currency
No
Buy and sell crypto with fiat
Sell only
No
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Kolo Card
Membership
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Referral points

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 Solayer Card?

Solayer Card scores higher on the G2M score: 47/100 against 46/100 (#23 and #25 of 26 cards). Pick Kolo Card for cashback, a lower annual fee and a lower FX fee; pick Solayer Card for 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 Solayer Card?

Kolo Card has no annual fee; Solayer Card costs $20 a year. Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.

Which pays more cashback, Kolo Card or Solayer Card?

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

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

Solayer Card is confirmed in more countries: 154 against 3, 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 Solayer Card is confirmed in United States.

Who holds my funds with Kolo Card and Solayer Card?

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.