Kolo Card
Crypto Visa card in the Kolo wallet app: any crypto held in the wallet is converted at the moment of payment, with Bitcoin cashback on card spend. Since 1 July 2026 the wallet is non-custodial (key shares, Kolo never holds the full private key).
Base cashback
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Base fee
FX fee
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
- Top rate of 2% only with conditions — Promotional programme that Kolo may change or end at any time
Good for
- People who want to keep control of their keys
- Stablecoin holders
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Kolo Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees1/15
- Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Not yet researched: Annual fee, Monthly fee, Physical card fee, Virtual card fee, Replacement fee, FX fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards4/14
- Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
- Cashback paid in
BTCShow source
- Cashback type
CryptoShow source
- Cashback conditions
Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow source
Not yet researched: Base cashback, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets4/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Spend stablecoins
YesShow source
- Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Not yet researched: Physical card, Virtual card, ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
ActiveShow source
- Card type
Debit cardShow source
- Network
VisaShow source
- Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Since 1 July 2026: Kolo holds one key share and never assembles the full private key
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards Only an 'up to' rate is published | 20% | 8 |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features 3 of 3 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 3 of 3 checked key terms disclosed | 5% | 100 |
Data coverage 65%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
How much cashback does Kolo Card pay?
Highest advertised rate: 2% (Promotional programme that Kolo may change or end at any time). Paid in BTC.
Is Kolo Card self-custodial?
Self-custody (Since 1 July 2026: Kolo holds one key share and never assembles the full private key).
Does Kolo Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history13 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Crypto conversion fee recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Spendable assets recorded · 22 October 2026 · auto-approved