Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 7 points (73 vs 66). Exa Card looks stronger for Funds control and Transfers, while Kolo Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Aug 28, 202659 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control and Transfers. 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.
OverallExa66Kolo73Higher score
CashbackExa19Kolo54Higher score
TravelExa61Kolo70Higher score
Funds controlExa88Kolo56Higher score
Lowest feesExa67Kolo83Higher score
TransfersExa97Kolo92Higher score
Choose Exa Card if funds control and transfers matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback, Travel, and 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
- Exa66Kolo73
Kolo Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 1.5%).
- Purchase rewards
- Exa0% cashbackKolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ExaSelf-controlled walletKoloCustodial balance
Exa Card uses a self-controlled wallet 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
- ExaVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank 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 5).
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.
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 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
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
CardsExa CardOverall66Kolo CardOverall73
Exa CardOverall66Kolo CardOverall73Scores
6 fields- Overall Score
- Exa Card66Kolo Card73
- Cashback score
- Exa Card19Kolo Card54
- Travel score
- Exa Card61Kolo Card70
- Funds control score
- Exa Card88Kolo Card56
- Lowest fees score
- Exa Card67Kolo Card83
- Transfers score
- Exa Card97Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Exa Card$0Kolo Card$0
- FX fee
- Exa Card1.5%Kolo Card1%
- Top-up fee
- Exa Card1%Kolo Card0%
- Card spending fee
- Exa CardNot disclosedKolo CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Kolo Card$1 + 0.65%
- Virtual card
- Exa CardFree with Exa WalletKolo CardFree
- Physical card
- Exa CardNot availableKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Exa CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Exa CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Exa CardVisaKolo CardVisa
- Card formats
- Exa CardVirtualKolo CardVirtual
- ATM withdrawals
- Exa CardAvailableKolo CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appKolo Card$9,000/day
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appKolo Card$9,000/month
- ATM limit
- Exa Card$250/withdrawal; $1000/dayKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Exa CardOptimismKolo CardNot disclosed
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositKolo CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Exa CardUSD, EURKolo CardEUR
Rewards
3 fields- Base cashback
- Exa Card0%Kolo Card1%
- Max cashback
- Exa Card0%Kolo Card2%
- Reward currency
- Exa CardNo cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYKolo CardNot offered
- How it works
- Exa CardEarn on spending balance, Borrow against collateralKolo CardNot offered
- Separate deposit
- Exa CardNoKolo CardNot offered
- Use balance for spending
- Exa CardYesKolo CardNot offered
- Lock-up
- Exa CardNoKolo CardNot offered
Trust & availability
7 fields- Custody
- Exa CardSelf-custodyKolo CardCustodial
- Control until payment
- Exa CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Exa CardExa Labs SASKolo CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaKolo CardNot disclosed
- Identity verification
- Exa CardNot disclosedKolo CardSumSub
- Programme operator
- Exa CardExa Labs SASKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Exa Card31Kolo Card28
- Last reviewed
- Exa CardAug 23, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 66 for Exa Card. Kolo Card has the lower published FX fee (1% vs 1.5%). Kolo Card has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Exa Card uses a self-controlled wallet 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 5). 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 Exa Card and Kolo Card reviews first.
Continue with
Exa Card
Continue with
Kolo Card
05 · Common questions
Exa vs Kolo FAQ
Is Exa or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 66). 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, Exa or Kolo?
Kolo Card has the lower published FX fee (1% vs 1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Exa 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 Exa and Kolo differ on custody?
Exa Card uses a self-controlled wallet 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 Exa vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.