Kolo Card vs Plasma One Card
Crypto native
Crypto native
Verdict
- Plasma One Card scores higher overall (6.9 vs 5.9 out of 10).
- Plasma One 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.
Kolo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Plasma One Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
★ 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 | Kolo Card | Plasma One Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 8 | 55 |
| Availability | – | – |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 85 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.2 | 6.5 |
| Best for Self-Custody | 6.9 | 7.8 |
| Best for DeFi Users | 6.3 | 7.3 |
| Best for Stablecoins | 6.6 | 7.6 |
| Best for High Spenders | 4.4 | 6.3 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 7.4 | 7.9 |
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
Stablecoin cardShow source
Network
VisaShow source
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
Self-custodyShow source
Card issuer / program manager
Rain (Visa Principal Member); account services by BridgeShow source
Tiers / plans
Lite · Core · PlatinumShow source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Lite tier (card cost $0); Core and Platinum are paid tiers; partner fees (FX, bank withdrawals) shown in the app
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Other fees & markups
Partner fees on foreign exchange and bank withdrawals (shown in the app before you confirm)Conditions apply: tap or hover for detailsShow source
Platinum: Plasma covers the Visa FX fee
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Lite tier; Core 3%, Platinum 4% (AI cashback 5% / 10%)
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
4%Conditions apply: tap or hover for detailsShow source
Platinum tier base cashback; AI spend 10%
Cashback paid in
BTCShow source
XPLShow source
Cashback type
CryptoShow source
Platform tokenShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to; variable, via DeFi vaults, not guaranteed; varies by tier
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
Platinum: 4% on first $3,000 monthly spend, 3% on next $7,000, 2% on next $5,000, 1% on the rest · Platinum: exclusively for XPL holders; up to $600/year flight cashback on eligible airlinesShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Platinum tier requires locking XPL
Staking asset
XPLConditions apply: tap or hover for detailsShow source
Lock 100,000 XPL for 12 months for Platinum
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
Physical card
YesShow source
Virtual card
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
Security & custody
Regulation / licences
Plasma is not a regulated financial institution · Account services by Bridge (US: Bridge Building Inc.; EEA: Bridge Building Sp. Z.o.o.; others: Bridge Building Limited) · Card issued by Rain, Visa Principal MemberShow source
Deposit protection
NoShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to the Earn feature (third-party DeFi vaults)
Annual cost at 1,500 EUR/month
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Plasma One Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers