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Kolo Card vs SolCard

Kolo Card scores higher on the G2M score: 46/100 against 35/100 (#28 and #32 of 33 cards). Pick Kolo Card for cashback, a lower FX fee and control of your funds; pick SolCard for more countries.

Kolo Card46

#28 of 33 · 1% to 2% back · annual fee none

Get KoloRead the review
SolCard35

#32 of 33 · 0% to 1.3% back · annual fee none

Get SolCardRead the review

The short answer

  • Kolo Card scores higher on the G2M score: 46/100 against 35/100 (#28 and #32 of 33 cards).
  • Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 2% on Kolo Card and 1.3% on SolCard.
  • Neither card has an annual fee.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 2%.
  • SolCard is confirmed in more countries: 245 against 3, though neither publishes a full list. Of the markets we check for every card, only SolCard is confirmed in United States, EU / EEA and India.
  • Kolo Card is self-custodial; SolCard 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
SolCard
G2M score
46 (better)
35
Base cashback
1% (better)
0%
Max cashback
2% (better)
1.3%
Paid in
BTC, daily
USDT or USDC
Annual fee
Free
Free
FX fee
1.4% (better)
2%
Top-up fee
0% (better)
5%
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.
Not published
Network
Visa
Visa / Mastercard
Card type
Debit
Prepaid
Custody
Self-custodial
Custodial
No ID check
ID needed or not stated
Yes: Virtual card
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Yes
UAE
Yes
Yes
United States
Unclear
Yes
United Kingdom
Yes
Yes
EU / EEA
Unclear
Yes
Countries
60
Worldwide except Hong Kong and sanctioned countries; in the US only the Virtual card (online)
Bank account (IBAN or account number)
No
Not confirmed
Send money to a bank account
1 currency
Not confirmed
Buy and sell crypto with fiat
Sell only
Not confirmed
Spend against crypto without selling
No
No
Yield on your balance
No
No
Tiers
Kolo Card
Virtual · Platinum · Signature · Private
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
No ID check needed for the Virtual card · Physical Platinum card with Apple Pay and Google Pay · Top up from 13 networks, incl. Bitcoin, Solana and Tron · SOLC staking: free cards and cashback · Online only, no Apple Pay or Google Pay

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 SolCard?

Kolo Card scores higher on the G2M score: 46/100 against 35/100 (#28 and #32 of 33 cards). Pick Kolo Card for cashback, a lower FX fee and control of your funds; pick SolCard 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 SolCard?

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 SolCard?

Kolo Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 2% on Kolo Card and 1.3% on SolCard.

Which works in more countries, Kolo Card or SolCard?

SolCard is confirmed in more countries: 245 against 3, though neither publishes a full list. Of the markets we check for every card, only SolCard is confirmed in United States, EU / EEA and India.

Who holds my funds with Kolo Card and SolCard?

Kolo Card is self-custodial; SolCard 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.