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Bitstack Card vs Kolo Card

Bitstack Card

Crypto enabled

5.5
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Kolo Card

Crypto native

5.9
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Verdict

  • Kolo Card scores higher overall (5.9 vs 5.5 out of 10).
  • Bitstack 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.

Bitstack Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Cashback & rewards

Kolo Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

★ 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 & sourcesBitstack Card vs ether.fi CashKolo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardKolo Card
Fees97100
Cashback & rewards228
Availability3–
FX & international––
Product features7070
Custody & security7580
Credit & financing30–
Limits & ATM84–
Transparency100100
Best for Cashback4.54.2
Best for Travel5.9n/a
Best for Self-Custodyn/a6.9
Best for DeFi Usersn/a6.3
Best for Stablecoinsn/a6.6
Best for High Spenders5.14.4
Best for Low Fees8.48.0
Best for Beginners6.77.4
Best E-Money Card7.0n/a

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 cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external 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

Card issuer / program manager

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
No data yet

Tiers / plans

Standard · PlusShow source
No data yet

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Plus €2.99/month or €29.99/year

No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

No data yet

Crypto conversion fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

0% markup on USDT, USDC and EURC

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

No data yet

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Or 5 withdrawals per month

No data yet

Other fees & markups

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

No data yet

Max cashback

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

2%Conditions apply: tap or hover for detailsShow source

Promotional programme that Kolo may change or end at any time

Cashback paid in

BTCShow source
BTCShow source

Cashback type

CryptoShow source
CryptoShow source

Cashback conditions

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program at any timeShow source

Credit & financing

Credit line

NoShow source
No data yet

Availability

Available in

FranceShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

French IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
No data yet

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesShow source

Spendable assets

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

Limits

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

No data yet

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
No data yet

Annual cost at 1,500 EUR/month

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual valuenot enough data

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

More Bitstack Card comparisons

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