Fold Card vs Kolo Card
The short answer
Winner: Kolo Card — 7/10 versus 6.8/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Kolo Card
Email only
Score
Annual fee
$149
Free
Monthly fee
Free
Free
Cashback
0%
2%
ATM fee
Free
Free
FX fee
3%
1%
Per transaction
$15k
Unlimited
Daily limit
$15k
$50k
Monthly limit
$50k
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
1.5%
0.32%
ATM per transaction
$400
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✗
✗
Countries
1
41
Coins
BTC
BTC, ETH, SOL, USDC, USDT
Fold Card vs Kolo Card FAQ
On our composite score Kolo Card edges ahead (7/10 vs 6.8/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.