ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Kolo: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 14 points (87 vs 73). ether.fi Cash Card looks stronger for Cashback, Travel, Funds control, and Transfers, while Kolo Card comes out ahead for Lowest fees.
Information checked Aug 28, 202647 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Lowest fees. 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.
Overallether.fi Cash87Kolo73Higher score
Cashbackether.fi Cash86Kolo54Higher score
Travelether.fi Cash84Kolo70Higher score
Funds controlether.fi Cash96Kolo56Higher score
Lowest feesether.fi Cash69Kolo83Higher score
Transfersether.fi Cash97Kolo92Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Kolo Card if lowest fees matters most
Kolo Card comes out ahead for Lowest fees 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ether.fi Cash87Kolo73
ether.fi Cash Card has the higher Overall Score by 14 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXKolo$0 plan · 1% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1%).
- Purchase rewards
- ether.fi Cash3% cashbackKolo1% base · up to 2%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- ether.fi CashNon-custodial accountKoloCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ether.fi CashVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutKolo5 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 9).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 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
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
Cardsether.fi Cash CardOverall87Kolo CardOverall73
ether.fi Cash CardOverall87Kolo CardOverall73Scores
6 fields- Overall Score
- ether.fi Cash Card87Kolo Card73
- Cashback score
- ether.fi Cash Card86Kolo Card54
- Travel score
- ether.fi Cash Card84Kolo Card70
- Funds control score
- ether.fi Cash Card96Kolo Card56
- Lowest fees score
- ether.fi Cash Card69Kolo Card83
- Transfers score
- ether.fi Cash Card97Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Kolo Card$0
- FX fee
- ether.fi Cash Card0–0.2%Kolo Card1%
- Top-up fee
- ether.fi Cash CardNot disclosedKolo Card0%
- Card spending fee
- ether.fi Cash CardNot disclosedKolo CardNot disclosed
- ATM fee
- ether.fi Cash Card2%Kolo Card$1 + 0.65%
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierKolo CardFree
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPKolo CardNot disclosed
- Top cashback plan
- ether.fi Cash CardCore: 3%Kolo CardNot disclosed
Everyday use
8 fields- Network
- ether.fi Cash CardVisaKolo CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- ether.fi Cash CardAvailableKolo CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayKolo Card$9,000/day
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planKolo Card$9,000/month
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/dayKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismKolo CardNot disclosed
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveKolo CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- ether.fi Cash CardEUR, USDKolo CardEUR
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Kolo Card1%
- Max cashback
- ether.fi Cash Card3%Kolo Card2%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCKolo CardBTC cashback
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYKolo CardNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultKolo CardNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedKolo CardNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedKolo CardNot offered
- Lock-up
- ether.fi Cash CardNot disclosedKolo CardNot offered
Trust & availability
6 fields- Custody
- ether.fi Cash CardNon-custodialKolo CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlKolo CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerKolo CardNot disclosed
- Identity verification
- ether.fi Cash CardNot disclosedKolo CardSumSub
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- ether.fi Cash Card19Kolo Card28
- Last reviewed
- ether.fi Cash CardAug 25, 2026Kolo CardAug 28, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 73 for Kolo Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1%). ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
Kolo Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ether.fi Cash Card uses a non-custodial account setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Kolo Card lists more stablecoins and ways to send money out (10 vs 9). 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 ether.fi Cash Card and Kolo Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Kolo Card
05 · Common questions
ether.fi Cash vs Kolo FAQ
Is ether.fi Cash or Kolo better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 73). 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, ether.fi Cash or Kolo?
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ether.fi Cash or Kolo?
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ether.fi Cash and Kolo differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ether.fi Cash vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.