Fuse WalletFuse
74
Side-by-side card comparison
Fuse vs Kolo: overall score versus use-case fit
Fuse Card has the higher Overall Score by 1 point (74 vs 73). Fuse Card looks stronger for Funds control, Lowest fees, and Transfers, while Kolo Card comes out ahead for Cashback and Travel.
Information checked Aug 28, 202643 official sources reviewed
01 · Overall score versus use-case fit
Fuse Card is the better all-round starting point
Fuse Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Cashback and Travel. 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.
OverallFuse74Kolo73Higher score
CashbackFuse25Kolo54Higher score
TravelFuse65Kolo70Higher score
Funds controlFuse91Kolo56Higher score
Lowest feesFuse93Kolo83Higher score
TransfersFuse97Kolo92Higher score
Choose Fuse Card if funds control and lowest fees matter most
Fuse Card comes out ahead for 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
Choose Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback and Travel 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
- Fuse74Kolo73
Fuse Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Fuse$0 plan · 0% FXKolo$0 plan · 1% FX
Fuse Card has the lower published FX fee (0% vs 1%).
- Purchase rewards
- Fuse0% cashbackKolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- FuseSelf-controlled walletKoloCustodial balance
Fuse 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
- FuseVirtual · Apple PayKoloVirtual · Apple Pay, Google Pay
Kolo Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Fuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfersKolo5 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 3).
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
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 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
CardsFuse CardOverall74Kolo CardOverall73
Fuse CardOverall74Kolo CardOverall73Scores
6 fields- Overall Score
- Fuse Card74Kolo Card73
- Cashback score
- Fuse Card25Kolo Card54
- Travel score
- Fuse Card65Kolo Card70
- Funds control score
- Fuse Card91Kolo Card56
- Lowest fees score
- Fuse Card93Kolo Card83
- Transfers score
- Fuse Card97Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Fuse CardSeparate USDC Card Account, Apple Pay for in-person spendKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Fuse CardiOS and virtual-only access, Receive rails convert incoming fiatKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Fuse Card$0Kolo Card$0
- FX fee
- Fuse Card0%Kolo Card1%
- Top-up fee
- Fuse Card0%Kolo Card0%
- Card spending fee
- Fuse Card0%Kolo CardNot disclosed
- ATM fee
- Fuse CardNot availableKolo Card$1 + 0.65%
- Virtual card
- Fuse CardVirtual card purchase $0 after Bridge KYCKolo CardFree
- Physical card
- Fuse CardNot available in captured Fuse support pageKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Fuse Card1 plans: Fuse PlusKolo CardNot disclosed
- Top cashback plan
- Fuse CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Fuse CardVisaKolo CardVisa
- Card formats
- Fuse CardVirtualKolo CardVirtual
- ATM withdrawals
- Fuse CardNot availableKolo CardAvailable
- Mobile wallets
- Fuse CardApple PayKolo CardApple Pay, Google Pay
- Apps
- Fuse CardiOSKolo CardiOS, Android
- Daily spending limit
- Fuse Card$2,000/day; $2,000/transactionKolo Card$9,000/day
- Monthly spending limit
- Fuse CardMonthly cap not disclosed; daily and transaction caps are approvedKolo Card$9,000/month
- ATM limit
- Fuse CardNot availableKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Fuse CardSolanaKolo CardNot disclosed
- Crypto deposits
- Fuse CardStablecoins: USDC; Other crypto: SOL, SPL tokensKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Fuse CardUSD virtual bank account, EUR virtual bank accountKolo CardNot disclosed
- Transfers
- Fuse CardStablecoin transfers; ACH / SEPA bank transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Fuse CardUSD, EURKolo CardEUR
Rewards
3 fields- Base cashback
- Fuse Card0%Kolo Card1%
- Max cashback
- Fuse Card0%Kolo Card2%
- Reward currency
- Fuse CardNo cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Fuse CardNot disclosedKolo CardNot offered
- How it works
- Fuse CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Fuse CardYesKolo CardNot offered
- Use balance for spending
- Fuse CardNoKolo CardNot offered
- Lock-up
- Fuse CardNot disclosedKolo CardNot offered
Trust & availability
6 fields- Custody
- Fuse CardSelf-custodyKolo CardCustodial
- Control until payment
- Fuse CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Fuse CardLead BankKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Fuse CardBridge Ventures LLC, Squads LabsKolo CardNot disclosed
- Identity verification
- Fuse CardNot disclosedKolo CardSumSub
- Programme operator
- Fuse CardBridge Ventures LLCKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Fuse Card15Kolo Card28
- Last reviewed
- Fuse CardAug 12, 2026Kolo CardAug 28, 2026
04 · The trade-off
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 versus 73 for Kolo Card. Fuse Card has the lower published FX fee (0% vs 1%). Kolo Card has the higher published base cashback rate (1% vs 0%).
Kolo Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Fuse 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 3). 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 Fuse Card and Kolo Card reviews first.
Continue with
Fuse Card
Continue with
Kolo Card
05 · Common questions
Fuse vs Kolo FAQ
Is Fuse or Kolo better overall?
Fuse Card has the higher Overall Score (74 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, Fuse or Kolo?
Fuse Card has the lower published FX fee (0% 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, Fuse 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 Fuse and Kolo differ on custody?
Fuse 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 Fuse vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.