Skip to content

Compare cards

Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
Compare two cards at a time. Add up to four with Change cards, then use the card menus to switch the pair.
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Kolo silver Visa Platinum card mockup
73Overall

Best fit

  • Spending supported crypto with a free virtual card and no monthly plan fee.
  • Earning BTC cashback without staking or joining a paid membership tier.

Before you choose

  • Payments from any digital asset cost 1% conversion; FX adds another 1%.
  • 2% cashback lasts 30 days, then drops to 1%; the monthly cap is $100.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Kolo Card: 73
Cashback score
MPChat Card: 18
Kolo Card: 54
Travel score
MPChat Card: 72
Kolo Card: 70
Funds control score
MPChat Card: 41
Kolo Card: 56
Lowest fees score
MPChat Card: 60
Kolo Card: 83
Transfers score
MPChat Card: 58
Kolo Card: 92
02

Costs

Plan cost
MPChat Card: $0
Kolo Card: $0
FX fee
MPChat Card: 0%
Kolo Card: 1%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Kolo Card: 0%
Card spending fee
MPChat Card: 0.8%
Kolo Card: 1%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Kolo Card: $1 + 0.65%
Virtual card
MPChat Card: Cloud: 10 USDT one time
Kolo Card: Free
Physical card
MPChat Card: $100
Kolo Card: Planned for Q3 2026; not currently available
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Kolo Card: Not listed
Base cashback
MPChat Card: Not disclosed
Kolo Card: 1%
Max cashback
MPChat Card: Not disclosed
Kolo Card: 2%
Reward currency
MPChat Card: Not disclosed
Kolo Card: BTC
Cashback cap · entry plan
MPChat Card: Not disclosed
Kolo Card: $100
04

Everyday use

Network
MPChat Card: Visa
Kolo Card: Visa
Card formats
MPChat Card: Virtual, Physical
Kolo Card: Virtual
ATM withdrawals
MPChat Card: Available
Kolo Card: Available
Mobile wallets
MPChat Card: Google Pay
Kolo Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Kolo Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Kolo Card: $9,000 / day
Monthly spending limit
MPChat Card: $1,000,000 / month
Kolo Card: $9,000 / month
ATM limit
MPChat Card: $1,500 / day
Kolo Card: $500 / 24 hours
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Kolo Card: Not disclosed
Stablecoin deposits
MPChat Card: USDT
Kolo Card: USDT, USDC, DAI, EURC, EURI
Other crypto deposits
MPChat Card: Not disclosed
Kolo Card: BTC, ETH, SOL, BNB, LTC +10
Fiat deposits
MPChat Card: Not disclosed
Kolo Card: Not disclosed
Crypto transfers
MPChat Card: External USDT withdrawal
Kolo Card: Crypto-address sends
Internal transfers
MPChat Card: Not disclosed
Kolo Card: Kolo user transfers, Transfers between your Kolo wallets
Bank transfers
MPChat Card: Not disclosed
Kolo Card: Withdraw to an eligible card, EUR SEPA withdrawal
Payout currencies
MPChat Card: Not disclosed
Kolo Card: EUR
06

Earn

Advertised APY
MPChat Card: Not offered
Kolo Card: Not offered
How it works
MPChat Card: Not offered
Kolo Card: Not offered
Separate deposit
MPChat Card: Not offered
Kolo Card: Not offered
Use balance for spending
MPChat Card: Not offered
Kolo Card: Not offered
Lock-up
MPChat Card: Not offered
Kolo Card: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Kolo Card: Custodial
Control until payment
MPChat Card: Provider controls funds
Kolo Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
Kolo Card: Banco Popular de Puerto Rico, Wirex Limited
Identity verification
MPChat Card: Not disclosed
Kolo Card: SumSub
Programme operator
MPChat Card: Not disclosed
Kolo Card: Hardline Holding Limited
Official sources
MPChat Card: 30
Kolo Card: 28
Last reviewed
MPChat Card: Nov 12, 2026
Kolo Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

More ways to find a card

Explore card rankings