Verdict
- COCA Card scores higher overall (6.4 vs 5.9 out of 10).
- COCA Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
COCA Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | COCA Card | Kolo Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 51 | 8 |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | 4.2 |
| Best for Self-Custody | 6.8 | 6.9 |
| Best for DeFi Users | 6.1 | 6.3 |
| Best for Stablecoins | 6.2 | 6.6 |
| Best for High Spenders | 5.2 | 4.4 |
| Best for Low Fees | n/a | 8.0 |
| Best for Beginners | 7.6 | 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
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
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
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Fees
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
Virtual card fee
FreeShow source
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
Cashback paid in
Stablecoins (claimed into the USD or EUR account)Show source
BTCShow source
Cashback type
StablecoinShow source
CryptoShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
Max cashback per month
$15/monthConditions apply: tap or hover for detailsShow source
Monthly claim capacity, Starter; up to $350 at Elite (tier bonus + 1 USD per 100 COCA staked); unclaimed rewards carry over
Cashback conditions
Rewards stay pending for 14 days before they can be claimed · Monthly claim capacity: $15 (Starter) to $350 (Elite) · 50% back on 1 to 4 subscription categories from Standard tier · No cashback on ATM withdrawals, cash and quasi-cash, government payments and excluded MCCsShow source
Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow source
Staking / holding required for top rewards
YesShow source
Staking asset
COCAShow source
Capital required for top rewards
$47,000Conditions apply: tap or hover for detailsShow source
30,000 COCA (approximate value stated by COCA) for the 8% Elite tier
Credit & financing
Credit line
NoShow source
Availability
Available in
AD, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, GI, Greece, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, AZ, GE, Hong Kong, Israel, Japan, KZ, MO, Malaysia, New Zealand, OM, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, UZ, GH, Kenya, Nigeria, South Africa, UG, Argentina, Brazil, Chile, Colombia, EC, SV, Mexico, PA, PeruConditions apply: tap or hover for detailsShow source
Residents, regardless of nationality
Account / spend currencies
USD · EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
EUR accounts for residents of 28 European countries (app 3.0.0+)
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Annual cost at 1,500 EUR/month
COCA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+161 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