Kolo Card
2%
Free
41 countries
Kolo is a virtual Visa Platinum card (issued by Rain) that you top up with crypto such as USDT, BTC or ETH and spend in 60+ countries, with conversion handled automatically at spend time. Unlike its self-custody peers in this batch it is custodial, so the wallet provider controls access to funds. It pays Bitcoin cashback and a 10 USDC activation deposit that is returned as spendable balance; it is not available in the United States.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
How Kolo Card compares on cost
Every figure above is this card in isolation. Here is where it lands against the other 59 cards we track, using our own fee dataset and the same year-one formula published on our methodology page.
What a year with this card costs
| Profile | Fees/yr | FX+conv | ATM | Cashback | Total/yr | Rank |
|---|---|---|---|---|---|---|
| Everyday$1000/mo card · $400/mo ATM | $0 | $158 | $0 | −$240 | −$82 | #20 |
| Active$2000/mo card · $800/mo ATM | $0 | $317 | $0 | −$480 | −$163 | #20 |
| Heavy$5000/mo card · $1500/mo ATM | $0 | $792 | $0 | −$1,200 | −$408 | #20 |
Year-one view, including issuance. Computed with the public total-cost formula — the same implementation the methodology page and the calculator use.
- Virtual-only card: no ATM access, so cash withdrawal fees do not apply.
- Available in 41 countries — #1 of 59 by coverage.
Figures recomputed from our live fee dataset on every deploy.
Cheaper cards for spending abroad
Cards with a lower combined FX and conversion cost than this one, closest first.
| Card | All-in | Annual fee | Cashback |
|---|---|---|---|
| Tangem Pay | 1% | — | — |
| Trustee Plus Card | 1% | — | — |
| Tuyo Card | 1% | — | — |
| WhiteBIT Nova Card | 1% | — | 10% |
| Wirex Card | 1% | — | 2% |
User reviews
No reviews yet. Be the first to review this card.
Reviews are moderated. We publish honest feedback, including criticism.
Similar cards
The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.
The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.
Kolo Card FAQ
Kolo Card holds a trust score of 6.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.