Kolo Card
A self-custody Visa card that pays cashback in BTC. No yearly fee.
- Terms checked 27 Sep 2026
- Visa
- Debit
- Apple Pay and Google Pay
- Self-custody
- Free plan
All amounts in US dollars
Not offered to people in the US. Pick another country above to see what it pays there.
Not available in the US
Pick a plan
- Pays the most
Cashback
Free, 1% on everything, up to $100 a month back
$0.00 a month, 0.0%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 0% | Cashback |
| $500 | 0% | Cashback |
| $750 | 0% | Cashback |
| $1,000 | 0% | Cashback |
| $1,500 | 0% | Cashback |
| $2,000 | 0% | Cashback |
| $2,500 | 0% | Cashback |
| $3,000 | 0% | Cashback |
| $4,000 | 0% | Cashback |
| $5,000 | 0% | Cashback |
| $6,000 | 0% | Cashback |
| $7,500 | 0% | Cashback |
| $10,000 | 0% | Cashback |
Every fee
- Yearly fee
- None
- FX fee
- USD card: Visa exchange rate plus 1% on spend in any currency other than USD, and a separate 1% issuer fee on USD payments at merchants outside the US. EUR card: Visa rate plus 0.55% (CHF, CZK, DKK, GIP, HUF, ISK, NOK, PLN, RON, SEK), plus 0.65% (GBP) or plus 1.35% (all other currencies) on spend in a currency other than EUR
- Conversion fee
- 1% conversion fee on every card payment, stablecoins included. About 1% more is held as a slippage buffer during the payment and returned
- Topping up
- Crypto deposits are free (the sending network's fee applies). Withdrawals have a fixed fee per network and asset, shown in the app
- ATM withdrawals
- USD card only, through Apple Pay or Google Pay at contactless ATMs: $1.00 plus 0.65% per withdrawal, $500 a withdrawal, 3 a day. Balance inquiry or declined ATM transaction $0.60. No ATM use on the EUR card
- Card issue
- Free. Activation needs a first stablecoin deposit of about $10 (USD card) or 10 EUR (EUR card), which comes back as a USD card bonus you can spend but not withdraw
- Monthly fee
- $0 (no monthly account or maintenance fee)
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Kolo Card's published terms, checked 27 September 2026. Where sources disagree, we go with the less generous reading.
- Kolo Terms of Use, Hardline Holding LimitedTerms
- Help center: Fees & PricingHelp center
- Help center: Cashback ProgramHelp center
- Help center: In Which Countries Can I Use My Kolo Card?Help center
- Help center: Card OverviewHelp center
What's good and what to watch
Good
- No issuance or monthly fee
- Cashback paid in BTC on all merchant categories
- Spends directly from many cryptos and stablecoins, converted at the moment of payment
- Wallet uses a multi-party computation key split: Kolo cannot move funds without your key share (terms from 1 July 2026)
- Two card currencies: USD and EUR
Watch
- 1% conversion fee on every purchase, so the ongoing 1% cashback is used up by fees before any FX cost
- USD card adds 1% on non-USD spend and 1% on USD payments at non-US merchants
- Cashback capped at $1 per transaction and $100 a month; the 2% rate lasts only 30 days
- Virtual only; physical cards are planned for 2027
- Not available in the US, and no official sign-up country list is published
- Card fees and cashback rules are set in the help center, not in a published cardholder agreement, and Kolo can change the cashback program at any time
At a glance
- Network
- Visa
- Custody
- self-custodial
- Card type
- debit
- Form
- virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- BitcoinEthereumTronBNB ChainSolanaPolygonArbitrumBaseAvalancheTONLitecoin
- Tokens
- USDTUSDCBTCETHLTCEURCEURIDAI
- Availability
- Marketed as available in 159 to 170+ countries across Europe, Asia, the Americas, Africa and Oceania; Kolo's own country list does not load on its website, Europe incl. the UK and the EU (Kolo's pages name both); UAE and CIS markets, USD card is the main program; a EUR card (Wirex) is offered where the verification country allows it, Not available in the US (per reviews; Kolo publishes no US offer)
- KYC
- Required (Sumsub ID check; proof of address from a supported country for the EUR card)
- Funding
- USDTUSDCBTCETHLTCEURCEURIDAIOther supported crypto on 11 networks
- Spending limit
- $9,000 a day and $9,000 a month per personal account (can be raised with source-of-funds documents). EUR card also capped at 30,000 EUR per transaction and per month
- ATM limit
- USD card only: $500 per withdrawal, 3 withdrawals a day
Perks and benefits
- Offers & creditsBoth cards are Visa Platinum. Kolo has no direct Visa integration, so Visa Platinum offers are claimed through Visa's own channels
Affiliate link: we may earn a commission if you sign up.
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.