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Kolo Card vs Tria Card

Tria Card scores higher on the G2M score: 69/100 against 46/100 (#7 and #25 of 26 cards). Pick Kolo Card for a lower annual fee; pick Tria Card for cashback, a lower FX fee and more countries.

Kolo Card46

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

Get KoloRead the review
Tria Card69

#7 of 26 · 1.5% to 6% back · annual fee $20

Get TriaRead the review

The short answer

  • Tria Card scores higher on the G2M score: 69/100 against 46/100 (#7 and #25 of 26 cards).
  • Tria Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 2% on Kolo Card and 6% on Tria Card.
  • Kolo Card has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges less on foreign currency: a 0% FX fee against 1.4%.
  • Tria Card lists 229 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 Tria Card is confirmed in United States and EU / EEA.
  • 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
Tria Card
G2M score
46
69 (better)
Base cashback
1%
1.5% (better)
Max cashback
2%
6% (better)
Paid in
BTC, daily
Not published
Annual fee
Free (better)
$20
FX fee
1.4%
0% (better)
Top-up fee
0%
0%
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.
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Network
Visa
Visa
Card type
Debit
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Yes
Yes
United States
Unclear
Yes
United Kingdom
Yes
Yes
EU / EEA
Unclear
Yes
Countries
60
229
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
Lite · Pro · Max
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Price protection up to $2,000 · Purchase protection up to $10,000 · Spend up to $1M a day on Pro and Max · Virtual Visa Platinum card · 1.5% with no cap on Tria Travel (hotels, rentals; not flights)

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 Tria Card?

Tria Card scores higher on the G2M score: 69/100 against 46/100 (#7 and #25 of 26 cards). Pick Kolo Card for a lower annual fee; pick Tria Card for cashback, 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 Tria Card?

Kolo Card has no annual fee; Tria Card costs $20 a year. Tria Card charges less on foreign currency: a 0% FX fee against 1.4%.

Which pays more cashback, Kolo Card or Tria Card?

Tria Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 2% on Kolo Card and 6% on Tria Card.

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

Tria Card lists 229 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 Tria Card is confirmed in United States and EU / EEA.

Who holds my funds with Kolo Card and Tria 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.