CoinZoom Visa Card vs Kolo Card
Crypto native
Crypto native
Verdict
- CoinZoom Visa Card scores higher overall (6.2 vs 5.9 out of 10).
- CoinZoom Visa Card is clearly stronger on: Cashback & rewards.
- Kolo Card is clearly stronger on: Fees, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Cashback & rewards
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees, 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 | CoinZoom Visa Card | Kolo Card |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 18 | 8 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | 100 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | 4.2 |
| Best for Travel | 8.1 | n/a |
| Best for Self-Custody | n/a | 6.9 |
| Best for DeFi Users | 5.5 | 6.3 |
| Best for Stablecoins | 7.0 | 6.6 |
| Best for High Spenders | 5.6 | 4.4 |
| Best for Low Fees | 9.1 | 8.0 |
| Best for Beginners | 6.8 | 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
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
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
Non-Prime · Silver (10,000 ZOOM) · Gold (50,000 ZOOM) · Diamond (150,000 ZOOM) · Black (300,000 ZOOM)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto liquidation when spending crypto
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12
ATM fee
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
Other fees & markups
Declined card payment (insufficient funds) $0.50 · Chargeback $100 · Virtual card reissuance 1,000 ZOOMShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
Cashback paid in
ZOOMShow source
BTCShow source
Cashback type
Platform tokenShow source
CryptoShow source
Cashback conditions
Silver 1% (10,000 ZOOM), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)Show 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
YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset
ZOOMShow source
Credit & financing
Credit line
NoShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Annual cost at 1,500 EUR/month
CoinZoom Visa Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
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