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Updated for July 2026
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Kolo Card

#26
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Kolo Card card

Kolo Card rewards newcomers generously but drops to 1% after month one, capped at $100 monthly. No physical card yet. Best for crypto spenders who want Bitcoin cashback without monthly fees.

Get Kolo Card

Availability

Available nowComing soon

Rewards rate

Up to 5%

FX fee

1%

Savings

0.0

Availability

171 countries

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All about Kolo Card

Kolo Card card
Get Kolo Card

Main perks

Monthly feeNone
CashbackUp to 5%
FX fee1%
Savings0.0
ATM fee—
Currencies16
Supported countries171
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Bonus offers

No current bonus offer.

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Rewards

Bitcoin cashback (month 1)5%
Bitcoin cashback (ongoing)1%
Monthly cashback cap$100
Cash cashback
Staking requirement
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Pros

  • No monthly fee
  • No inactivity fee
  • 5% Bitcoin cashback first month
  • 172-country availability
  • Apple Pay supported
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Cons

  • Cashback drops to 1% after first month
  • $100 monthly cashback cap
  • $1 per-purchase cashback cap after month one
  • 1% FX fee on non-USD transactions
  • 0.32% auto-conversion fee
  • Custodial
  • No ATM access
  • No virtual card option
  • No bank account or IBAN
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Options to Kolo Card

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card