Kolo Card vs Wirex One Card
Crypto native
Crypto native
Verdict
- Wirex One Card scores higher overall (7.0 vs 5.9 out of 10).
- Wirex 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
Wirex One Card is a good fit for
- Stablecoin holders
- Frequent travellers
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 | Wirex One Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 8 | 44 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | – | 30 |
| Limits & ATM | – | 100 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.2 | 6.3 |
| Best for Travel | n/a | 8.6 |
| Best for Self-Custody | 6.9 | n/a |
| Best for DeFi Users | 6.3 | 6.0 |
| Best for Stablecoins | 6.6 | 7.8 |
| Best for High Spenders | 4.4 | 6.9 |
| Best for Low Fees | 8.0 | 10.0 |
| Best for Beginners | 7.4 | 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
Visa / MastercardConditions apply: tap or hover for detailsShow source
Physical card Visa or Mastercard; metal card Visa Signature
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
Tiers / plans
Base · Premium · Elite · Private · BespokeShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FX fee
0%Show source
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
0% markup on USDT, USDC and EURC
ATM fee
FreeConditions apply: tap or hover for detailsShow source
Wirex fee; operator fees not addressed
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Base tier
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional programme that Kolo may change or end at any time
8%Conditions apply: tap or hover for detailsShow source
Top tier; tier set by portfolio size and share held in WPAY
Cashback paid in
BTCShow source
USDShow source
Cashback type
CryptoShow source
FiatShow source
Interest on balance
9.75%Conditions apply: tap or hover for detailsShow source
Up to; stablecoin savings, flexible or fixed terms
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
Tier recalculated daily from portfolio size and percentage held in WPAY; both thresholds must be met · No monthly cashback cap · 50% rebate on eligible subscriptions, capped at each service's standard plan priceShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding (not locking) WPAY and a minimum portfolio for higher tiers
Staking asset
WPAYShow source
Credit & financing
Credit line
NoShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
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
Annual cost at 1,500 EUR/month
Kolo Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Wirex One Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers