FassetFasset
53
Side-by-side card comparison
Fasset vs Kolo: fees, rewards and account setup
Kolo Card has the higher Overall Score by 20 points (73 vs 53). Kolo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fasset Card may still be the better personal fit.
Information checked Aug 28, 202637 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. Fasset 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.
OverallFasset53Kolo73Higher score
CashbackFasset19Kolo54Higher score
TravelFasset30Kolo70Higher score
Funds controlFasset45Kolo56Higher score
Lowest feesFasset51Kolo83Higher score
TransfersFasset50Kolo92Higher score
Choose Fasset Card if its day-to-day setup suits you
Fasset 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.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
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
- Fasset53Kolo73
Kolo Card has the higher Overall Score by 20 points.
- Entry cost & FX
- FassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 3% non-USD FX; up to 3% cross-border may also apply).
- Purchase rewards
- FassetNot disclosedKolo1% base · up to 2%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- FassetCustodial balanceKoloCustodial balance
Fasset Card and Kolo Card use the same custodial balance setup.
- Everyday access
- FassetVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Fasset1 stablecoin · Card balance back to Fasset WalletKolo5 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 2).
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
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
CardsFasset CardOverall53Kolo CardOverall73
Fasset CardOverall53Kolo CardOverall73Scores
6 fields- Overall Score
- Fasset Card53Kolo Card73
- Cashback score
- Fasset Card19Kolo Card54
- Travel score
- Fasset Card30Kolo Card70
- Funds control score
- Fasset Card45Kolo Card56
- Lowest fees score
- Fasset Card51Kolo Card83
- Transfers score
- Fasset Card50Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Fasset CardClear internal USDT funding flow, Broad phone-wallet supportKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Fasset CardForeign spend can be expensive, OWN reward economics are missingKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Fasset CardNot disclosedKolo Card$0
- FX fee
- Fasset Card3% non-USD FX; up to 3% cross-border may also applyKolo Card1%
- Top-up fee
- Fasset Card0%Kolo Card0%
- Card spending fee
- Fasset Card0%Kolo CardNot disclosed
- ATM fee
- Fasset CardNot availableKolo Card$1 + 0.65%
- Virtual card
- Fasset Card9.99 USDT activation / issuance feeKolo CardFree
- Physical card
- Fasset CardNot disclosedKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Fasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soonKolo CardNot disclosed
- Top cashback plan
- Fasset CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Fasset CardVisaKolo CardVisa
- Card formats
- Fasset CardVirtualKolo CardVirtual
- ATM withdrawals
- Fasset CardNot availableKolo CardAvailable
- Mobile wallets
- Fasset CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Fasset CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Fasset Card$2,000 per dayKolo Card$9,000/day
- Monthly spending limit
- Fasset CardNot publicly disclosedKolo Card$9,000/month
- ATM limit
- Fasset CardNot applicable; ATM cash advances unavailableKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Fasset CardNot disclosedKolo CardNot disclosed
- Crypto deposits
- Fasset CardStablecoins: USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Fasset CardNot disclosedKolo CardNot disclosed
- Transfers
- Fasset CardCard balance back to Fasset WalletKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Fasset CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Fasset CardNot disclosedKolo Card1%
- Max cashback
- Fasset CardNot disclosedKolo Card2%
- Reward currency
- Fasset CardOWN pointsKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Fasset CardNot offeredKolo CardNot offered
- How it works
- Fasset CardNot offeredKolo CardNot offered
- Separate deposit
- Fasset CardNot offeredKolo CardNot offered
- Use balance for spending
- Fasset CardNot offeredKolo CardNot offered
- Lock-up
- Fasset CardNot offeredKolo CardNot offered
Trust & availability
5 fields- Custody
- Fasset CardCustodialKolo CardCustodial
- Control until payment
- Fasset CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Fasset CardThird NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Fasset CardNot disclosedKolo CardSumSub
- Programme operator
- Fasset CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Fasset Card9Kolo Card28
- Last reviewed
- Fasset CardAug 11, 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 53 for Fasset Card. Kolo Card has the lower published FX fee (1% vs 3% non-USD FX; up to 3% cross-border may also apply). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Fasset Card and Kolo Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 vs 2). 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 Fasset Card and Kolo Card reviews first.
Continue with
Fasset Card
Continue with
Kolo Card
05 · Common questions
Fasset vs Kolo FAQ
Is Fasset or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 53). 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, Fasset or Kolo?
Kolo Card has the lower published FX fee (1% vs 3% non-USD FX; up to 3% cross-border may also apply). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Fasset or Kolo?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fasset and Kolo differ on custody?
Fasset Card and Kolo Card use the same custodial balance setup.
How current is this Fasset vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.