Bitget Wallet Card vs Kolo Card
Crypto native
Crypto native
Verdict
- Bitget Wallet Card scores higher overall (7.2 vs 5.9 out of 10).
- Bitget Wallet Card is clearly stronger on: Cashback & rewards.
- Kolo Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitget Wallet Card is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Bitget Wallet Card | Kolo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 44 | 8 |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.4 | 4.2 |
| Best for Travel | 6.6 | n/a |
| Best for Self-Custody | n/a | 6.9 |
| Best for DeFi Users | 6.4 | 6.3 |
| Best for Stablecoins | 7.0 | 6.6 |
| Best for High Spenders | 5.9 | 4.4 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 8.3 | 7.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
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
Card issuer / program manager
Bitget WalletConditions apply: tap or hover for detailsShow source
Card issuing partners vary by region
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Page states no monthly card fee without a currency
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Other fees & markups
Top-up and currency conversion fees apply; standard fees apply once the monthly assetback allowance is exceededConditions apply: tap or hover for detailsShow source
Page says assetback typically covers most top-up and currency conversion fees; settlement rates closely match Google's live rates
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Base assetback for all cardholders, within a monthly allowance
Max cashback
3%Conditions apply: tap or hover for detailsShow source
New users or after reaching the monthly spending threshold
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
Cashback paid in
BTC, gold, US stocks (NVIDIA, Google, Tesla, S&P 500) or USDC (user's choice)Conditions apply: tap or hover for detailsShow source
One reward asset, changeable once per calendar month
BTCShow source
Cashback type
CryptoShow source
Cashback conditions
3% after reaching $200–$400 in monthly spending (or as a new user) · Reward asset can be changed once per calendar month by 23:59 (UTC+8) on the last day of the monthConditions apply: tap or hover for detailsShow source
Upgrade conditions and reward limits per rules shown on the card page in the app
Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow source
Reward exclusions
Certain restricted merchant category codes (MCCs) · Refunded, reversed, or cancelled transactionsShow source
Availability
Available in
EEA, United Kingdom, Argentina, Brazil, Chile, Colombia, EC, SV, GT, Mexico, PA, Peru, South Korea, Japan, Vietnam, Malaysia, CN, TW, Australia, Thailand, Philippines, South Africa, PK, BDConditions apply: tap or hover for detailsShow source
EEA and UK; 10 Latin American markets; South Korea, Japan, Vietnam, Malaysia, mainland China, Taiwan, Australia, Thailand, Philippines; South Africa; Pakistan, Bangladesh. More regions opening soon
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Only in South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand and the Philippines; more regions rolling out
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDT · USDC · ETH · SOLShow source
BTC · ETH · LTC · USDT · USDC · EURCShow source
Annual cost at 1,500 EUR/month
Bitget Wallet Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers