KAST Card vs Kolo Card
Side by side at your spend: what each card pays back after fees and FX, where you can get it and what it includes.
Short answer: At $2,000 a month in the EU, KAST Card pays back $4.00 a month and Kolo Card pays back nothing. KAST Card comes out $4.00 a month ahead. At $500 a month, KAST Card comes out $1.00 ahead. At $5,000 a month, Kolo Card comes out $35.00 ahead. In the UK, KAST Card comes out $30.00 a month ahead at the same spend. Only KAST Card is open to people in the US. Only Kolo Card is open to people in Canada and Australia.
Terms checked KAST Card , Kolo Card How we work it out
In US dollars. FX on EUR spending is included.
KAST Card pays back $4.00 more a month than Kolo Card at this spend.
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| Detail | KAST Card | Kolo Card |
|---|---|---|
| Plan at this spend | Standard | Cashback |
| Paid in | USD | BTC |
| FX on your spend | 1.3% | 1% |
| Yearly fee | $1,000 or $10,000 | None |
| Network | Visa | Visa |
| Card type | Prepaid | Debit |
| Custody | Custodial | Self-custody |
| Available in | US, UK, EU, Asia-Pacific, Elsewhere (not Japan) | UK, EU, Canada, Australia, Asia-Pacific, Elsewhere |
| Perks | Lounge access, Travel insurance, Purchase protection, Concierge, Discounts & offers, Earn yield, Metal card | None listed |
KAST CardFX marked measured is what we paid on our own purchases. The rest are worked out from each card's terms. How we work out FX
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.
KAST Card
- 0% spread on stablecoin deposits (1:1)
- Free Standard tier, no monthly fee
- 170+ countries, unlimited daily spend
- Custodial: KAST holds your crypto
- High ATM cost ($3 + 2% USD, $3 + 4% non-USD), low $750/day limit
Kolo Card
- 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
- 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
More: other comparisons, every card at your spend, or the cashback list.