KoloKolo
73
Side-by-side card comparison
Kolo vs Avici: overall score versus use-case fit
Kolo Card has the higher Overall Score by 2 points (73 vs 71). Kolo Card looks stronger for Cashback, Lowest fees, and Transfers, while Avici Card comes out ahead for Travel and Funds control.
Information checked Aug 28, 202644 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. Avici Card may be the better fit for Travel and 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.
OverallKolo73Avici71Higher score
CashbackKolo54Avici21Higher score
TravelKolo70Avici82Higher score
Funds controlKolo56Avici95Higher score
Lowest feesKolo83Avici73Higher score
TransfersKolo92Avici67Higher score
Choose Kolo Card if cashback and lowest fees matter most
Kolo Card comes out ahead for Cashback, 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
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
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
- Kolo73Avici71
Kolo Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Kolo$0 plan · 1% FXAvici$0 plan · 0–1% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Kolo1% base · up to 2%Avici0% cashback
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KoloCustodial balanceAviciSelf-controlled wallet
Kolo Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KoloVirtual · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalAvici1 stablecoin · Stablecoin transfers
Kolo Card lists more stablecoins and ways to send money out (10 vs 2).
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
- 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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
CardsKolo CardOverall73Avici CardOverall71
Kolo CardOverall73Avici CardOverall71Scores
6 fields- Overall Score
- Kolo Card73Avici Card71
- Cashback score
- Kolo Card54Avici Card21
- Travel score
- Kolo Card70Avici Card82
- Funds control score
- Kolo Card56Avici Card95
- Lowest fees score
- Kolo Card83Avici Card73
- Transfers score
- Kolo Card92Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Kolo Card$0Avici Card$0
- FX fee
- Kolo Card1%Avici Card0–1%
- Top-up fee
- Kolo Card0%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Kolo CardNot disclosedAvici Card0%
- ATM fee
- Kolo Card$1 + 0.65%Avici Card0–0.65%
- Virtual card
- Kolo CardFreeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Kolo CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Kolo CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Kolo CardVisaAvici CardVisa
- Card formats
- Kolo CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableAvici CardAvailable
- Mobile wallets
- Kolo CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Kolo Card$9,000/dayAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Kolo Card$9,000/monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Avici CardStablecoins: USDC
- Fiat deposits
- Kolo CardNot disclosedAvici CardNot disclosed
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalAvici CardStablecoin transfers
- Payout currencies
- Kolo CardEURAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Kolo Card1%Avici Card0%
- Max cashback
- Kolo Card2%Avici Card0%
- Reward currency
- Kolo CardBTC cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Kolo CardNot offeredAvici CardNot offered
- How it works
- Kolo CardNot offeredAvici CardNot offered
- Separate deposit
- Kolo CardNot offeredAvici CardNot offered
- Use balance for spending
- Kolo CardNot offeredAvici CardNot offered
- Lock-up
- Kolo CardNot offeredAvici CardNot offered
Trust & availability
6 fields- Custody
- Kolo CardCustodialAvici CardSelf-custody
- Control until payment
- Kolo CardProvider controls fundsAvici CardYou keep control
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedAvici CardThird National
- Card processing
- Kolo CardNot disclosedAvici CardRelay
- Identity verification
- Kolo CardSumSubAvici CardSumsub
- Programme operator
- Kolo CardHardline Holding LimitedAvici CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card28Avici Card16
- Last reviewed
- Kolo CardAug 28, 2026Avici CardAug 21, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 71 for Avici Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Kolo Card has the higher published base cashback rate (1% vs 0%).
Avici Card still comes out ahead for Travel and Funds control, which may matter more than the overall result if that is how you plan to use the card. Kolo Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet 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 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 Kolo Card and Avici Card reviews first.
Continue with
Kolo Card
Continue with
Avici Card
05 · Common questions
Kolo vs Avici FAQ
Is Kolo or Avici better overall?
Kolo Card has the higher Overall Score (73 vs 71). 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, Kolo or Avici?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Kolo or Avici?
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 Kolo and Avici differ on custody?
Kolo Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Kolo vs Avici comparison?
The latest information check for these two cards was August 28, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.