Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Kolo: fees, rewards and account setup
Kolo Card has the higher Overall Score by 16 points (73 vs 57). Kolo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Aug 28, 202642 official sources reviewed
01 · Make the first cut
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCrypto.com Prepaid57Kolo73Higher score
CashbackCrypto.com Prepaid31Kolo54Higher score
TravelCrypto.com Prepaid57Kolo70Higher score
Funds controlCrypto.com Prepaid40Kolo56Higher score
Lowest feesCrypto.com Prepaid48Kolo83Higher score
TransfersCrypto.com Prepaid47Kolo92Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Crypto.com Prepaid57Kolo73
Kolo Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Crypto.com PrepaidCustodial balanceKoloCustodial balance
Crypto.com Prepaid Card and Kolo Card use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Kolo CardOverall73
Crypto.com Prepaid CardOverall57Kolo CardOverall73Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Kolo Card73
- Cashback score
- Crypto.com Prepaid Card31Kolo Card54
- Travel score
- Crypto.com Prepaid Card57Kolo Card70
- Funds control score
- Crypto.com Prepaid Card40Kolo Card56
- Lowest fees score
- Crypto.com Prepaid Card48Kolo Card83
- Transfers score
- Crypto.com Prepaid Card47Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Kolo Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Kolo Card1%
- Top-up fee
- Crypto.com Prepaid Card2.99%Kolo Card0%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedKolo CardNot disclosed
- ATM fee
- Crypto.com Prepaid Card0–2%Kolo Card$1 + 0.65%
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedKolo CardFree
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Kolo CardNot disclosed
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardKolo CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Crypto.com Prepaid CardAvailableKolo CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayKolo Card$9,000/day
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearKolo Card$9,000/month
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Kolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedKolo CardNot disclosed
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upKolo CardNot disclosed
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Crypto.com Prepaid CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Kolo Card1%
- Max cashback
- Crypto.com Prepaid Card5%Kolo Card2%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredKolo CardNot offered
- How it works
- Crypto.com Prepaid CardNot offeredKolo CardNot offered
- Separate deposit
- Crypto.com Prepaid CardNot offeredKolo CardNot offered
- Use balance for spending
- Crypto.com Prepaid CardNot offeredKolo CardNot offered
- Lock-up
- Crypto.com Prepaid CardNot offeredKolo CardNot offered
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialKolo CardCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Kolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Crypto.com Prepaid CardNot disclosedKolo CardSumSub
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Kolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Kolo Card28
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Kolo CardAug 28, 2026
04 · The takeaway
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 57 for Crypto.com Prepaid Card. Kolo Card has the lower published FX fee (1% vs 0–3%). Kolo Card has the higher published base cashback rate (1% vs 0%).
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Crypto.com Prepaid Card and Kolo Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Kolo Card
05 · Common questions
Crypto.com Prepaid vs Kolo FAQ
Is Crypto.com Prepaid or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Crypto.com Prepaid or Kolo?
Kolo Card has the lower published FX fee (1% vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Kolo?
Kolo Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Kolo differ on custody?
Crypto.com Prepaid Card and Kolo Card use the same custodial balance setup.
How current is this Crypto.com Prepaid vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.