Kolo Card
Virtual prepaid Visa card for travellers and digital nomads. Spend BTC, ETH, stablecoins and other crypto, converted at the point of sale, with no markup on USDT, USDC or EURC. Earns Bitcoin cashback: 2% for the first 30 days, then 1%, capped at $100 a month. A physical card is planned but not yet available.
Is the Kolo Card worth it?
The Kolo Card is a prepaid card on Visa, paying up to 2% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 2% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
How we rate the Kolo Card
- Cost25%4.0 / 5
No annual, monthly or inactivity fee and the $10 activation is refunded, but every card payment carries a 1% conversion fee, plus another 1% outside the US.
- Conditions25%5.0 / 5
No stake, plan or balance — the rate applies from the first purchase.
- Rewards25%3.0 / 5
1% in Bitcoin after an opening 2% for 30 days, capped at $100 a month. Paid in BTC rather than a house token.
- Reliability25%3.0 / 5
A young issuer with no public fee page and only a partial country list; the figures here come from current reviews rather than Kolo's own documentation.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 2%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 2%, 2% in Bitcoin for the first 30 days, then 1%, capped at $100/month, paid in Bitcoin. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 2% in Bitcoin for the first 30 days, then 1%, capped at $100/month.
How much cash you can take out
Each period caps both the number of withdrawals and their total value — you reach whichever comes first. One set of limits applies wherever the card is available.
Applies once a physical card is issued — the card is virtual only today, so there is no ATM access. Reported by card reviews; Kolo does not publish a fee page.
Strengths and trade-offs
WORKS FOR YOU IF
- No annual fee
- No markup when spending USDT, USDC or EURC
- Global availability
- Crypto and memecoin support
LOOK ELSEWHERE IF
- Cashback drops from 2% to 1% after the first 30 days, capped at $100 a month
- Virtual only — no physical card yet
What sets it apart
- Optimized for digital nomads and travelers
- Memecoin support
- Global multi-currency spending
Latest news & analysis
Common questions
Where can I use the Kolo Card?
Does the Kolo Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Kolo Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Kolo's published card terms and were verified on October 3, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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