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Kolo Card vs Uphold Debit Card (US)

Kolo Card

Crypto native

5.9
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Uphold Debit Card (US)

Crypto native

5.6
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Verdict

  • Kolo Card scores higher overall (5.9 vs 5.6 out of 10).
  • Uphold Debit Card (US) 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

Uphold Debit Card (US) is a good fit for

  • 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:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesKolo Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKolo CardUphold Debit Card (US)
Fees10099
Cashback & rewards850
Availability–3
FX & international–40
Product features7070
Custody & security80–
Credit & financing–30
Limits & ATM–74
Transparency100100
Best for Cashback4.25.7
Best for Traveln/a5.7
Best for Self-Custody6.9n/a
Best for DeFi Users6.35.8
Best for Stablecoins6.66.7
Best for High Spenders4.46.0
Best for Low Fees8.08.1
Best for Beginners7.46.8

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

Since 1 July 2026: Kolo holds one key share and never assembles the full private key

No data yet

Tiers / plans

No data yet
Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Physical card fee

No data yet
$4.99Conditions apply: tap or hover for detailsShow source

Essential

FX fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

Crypto conversion fee

0%Conditions apply: tap or hover for detailsShow source

0% markup on USDT, USDC and EURC

No data yet

ATM fee

No data yet
$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

Cashback & rewards

Base cashback

No data yet
2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

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

Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins

Cashback paid in

BTCShow source
XRP (or other crypto at Uphold's discretion)Show source

Cashback type

CryptoShow source
CryptoShow source

Interest on balance

No data yet
3%Conditions apply: tap or hover for detailsShow source

Up to 3% APY on stablecoin balances; variable; no paid plan stated on page

Max cashback per month

No data yet
$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

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
No data yet

Credit & financing

Credit line

No data yet
NoShow source

Availability

Available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

When available

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

When available

Physical card

No data yet
YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

Virtual card

No data yet
YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

ATM withdrawals

No data yet
YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

YesShow source
YesShow source

Spendable assets

BTC · ETH · LTC · USDT · USDC · EURCShow source
No data yet

Security & custody

Regulation / licences

No data yet
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source

Annual cost at 1,500 EUR/month

Kolo Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Uphold Debit Card (US)

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−32 EUR
  • Cashback+360 EUR
  • Net annual value274 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Kolo Card comparisons

More Uphold Debit Card (US) comparisons