Kolo Card vs Tangem Pay
Crypto native
Crypto native
Verdict
- Kolo Card scores higher overall (5.9 vs 4.8 out of 10).
- Kolo Card is clearly stronger on: Fees, Transparency.
- Tangem Pay 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
Stronger on: Fees, Transparency
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
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 | Tangem Pay |
|---|---|---|
| Fees | 100 | 79 |
| Cashback & rewards | 8 | 30 |
| Availability | – | 3 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 86 |
| Best for Cashback | 4.2 | 4.2 |
| Best for Travel | n/a | 4.3 |
| Best for Self-Custody | 6.9 | 6.8 |
| Best for DeFi Users | 6.3 | 6.0 |
| Best for Stablecoins | 6.6 | 6.1 |
| Best for High Spenders | 4.4 | 4.2 |
| Best for Low Fees | 8.0 | 6.2 |
| Best for Beginners | 7.4 | 6.2 |
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 cardConditions apply: tap or hover for detailsShow source
Funded with USDC loaded in advance; no credit line
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
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic tier; Plus $29.99/month
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Basic tier
Replacement fee
$5Conditions apply: tap or hover for detailsShow source
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Tangem pages show 1% and 1.5%
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
Top-up fee
$1Conditions apply: tap or hover for detailsShow source
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
4%Conditions apply: tap or hover for detailsShow source
Basic tier; 2% on Plus
Other fees & markups
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Basic tier; minimum $30 per transaction; monthly cap applies
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
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
BTCShow source
USDCShow source
Cashback type
CryptoShow source
StablecoinShow source
Cashback-eligible spend cap
$10,000/monthConditions apply: tap or hover for detailsShow source
Basic tier, per month; Plus $15,000
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Basic tier; Plus $300, Prestige $1000
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
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Reward exclusions
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Credit & financing
Credit line
NoShow source
Credit type
NoneShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Account / spend currencies
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
BTC · ETH · LTC · USDT · USDC · EURCShow source
USDC · USDTShow source
Blockchains
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day, Basic tier; Plus $50,000, Prestige $100,000
Annual cost at 1,500 EUR/month
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers