KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 12 points (73 vs 61). Karta Personal Card looks stronger for Funds control, while Kolo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202653 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. Karta Personal Card may be the better fit for Funds control. 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.
OverallKarta Personal61Kolo73Higher score
CashbackKarta Personal14Kolo54Higher score
TravelKarta Personal46Kolo70Higher score
Funds controlKarta Personal92Kolo56Higher score
Lowest feesKarta Personal53Kolo83Higher score
TransfersKarta Personal90Kolo92Higher score
Choose Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback, Travel, 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
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
- Karta Personal61Kolo73
Kolo Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackKolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletKoloCustodial balance
Karta Personal 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
- Karta PersonalVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; 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 6).
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
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 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
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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
CardsKarta Personal CardOverall61Kolo CardOverall73
Karta Personal CardOverall61Kolo CardOverall73Scores
6 fields- Overall Score
- Karta Personal Card61Kolo Card73
- Cashback score
- Karta Personal Card14Kolo Card54
- Travel score
- Karta Personal Card46Kolo Card70
- Funds control score
- Karta Personal Card92Kolo Card56
- Lowest fees score
- Karta Personal Card53Kolo Card83
- Transfers score
- Karta Personal Card90Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Karta Personal Card$0Kolo Card$0
- FX fee
- Karta Personal Card1–3%Kolo Card1%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Kolo Card0%
- Card spending fee
- Karta Personal Card1.5%Kolo CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptKolo Card$1 + 0.65%
- Virtual card
- Karta Personal Card5 USDT one-timeKolo CardFree
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Karta Personal CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisaKolo CardVisa
- Card formats
- Karta Personal CardVirtualKolo CardVirtual
- ATM withdrawals
- Karta Personal CardAvailableKolo CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedKolo CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedKolo Card$9,000/day
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicKolo Card$9,000/month
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Kolo CardNot disclosed
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Karta Personal CardBank depositsKolo CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Karta Personal CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%Kolo Card1%
- Max cashback
- Karta Personal Card0%Kolo Card2%
- Reward currency
- Karta Personal CardNo cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredKolo CardNot offered
- How it works
- Karta Personal CardNot offeredKolo CardNot offered
- Separate deposit
- Karta Personal CardNot offeredKolo CardNot offered
- Use balance for spending
- Karta Personal CardNot offeredKolo CardNot offered
- Lock-up
- Karta Personal CardNot offeredKolo CardNot offered
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyKolo CardCustodial
- Control until payment
- Karta Personal CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Custody / key management
- Karta Personal CardPrivyKolo CardNot disclosed
- Identity verification
- Karta Personal CardSumsubKolo CardSumSub
- Programme operator
- Karta Personal CardKarta Finance, Inc.Kolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Karta Personal Card25Kolo Card28
- Last reviewed
- Karta Personal CardAug 11, 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 61 for Karta Personal Card. Kolo Card has the lower published FX fee (1% vs 1–3%). Kolo Card has the higher published base cashback rate (1% vs 0%).
Karta Personal Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Karta Personal 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 6). 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 Karta Personal Card and Kolo Card reviews first.
Continue with
Karta Personal Card
Continue with
Kolo Card
05 · Common questions
Karta Personal vs Kolo FAQ
Is Karta Personal or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 61). 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, Karta Personal or Kolo?
Kolo Card has the lower published FX fee (1% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal 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 Karta Personal and Kolo differ on custody?
Karta Personal 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 Karta Personal vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.