KoloKolo
73
Side-by-side card comparison
Kolo vs Coinbase One: where the score gap comes from
Kolo Card has the higher Overall Score by 17 points (73 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202651 official sources reviewed
01 · Where the gap opens
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Coinbase One 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.
OverallKolo73Coinbase One56Higher score
CashbackKolo54Coinbase One40Compare the details below
TravelKolo70Coinbase One60Compare the details below
Funds controlKolo56Coinbase One36Compare the details below
Lowest feesKolo83Coinbase One58Compare the details below
TransfersKolo92Coinbase One24Compare the details below
Choose Kolo Card if its day-to-day setup suits you
Kolo 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. Read the side-by-side details before deciding.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One 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. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Kolo73Coinbase One56
Kolo Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Kolo$0 plan · 1% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Kolo Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Kolo1% base · up to 2%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 1%).
- Funds control
- KoloCustodial balanceCoinbase OneCustodial balance
Kolo Card and Coinbase One Card use the same custodial balance setup.
- Everyday access
- KoloVirtual · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Coinbase One 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 withdrawalCoinbase One0 stablecoins · Not modeled
Kolo Card lists more stablecoins and ways to send money out (10 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsKolo CardOverall73Coinbase One CardOverall56
Kolo CardOverall73Coinbase One CardOverall56Scores
6 fields- Overall Score
- Kolo Card73Coinbase One Card56
- Cashback score
- Kolo Card54Coinbase One Card40
- Travel score
- Kolo Card70Coinbase One Card60
- Funds control score
- Kolo Card56Coinbase One Card36
- Lowest fees score
- Kolo Card83Coinbase One Card58
- Transfers score
- Kolo Card92Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Kolo Card$0Coinbase One Card$49.99/year
- FX fee
- Kolo Card1%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Kolo Card0%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Kolo CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Kolo Card$1 + 0.65%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Kolo CardFreeCoinbase One CardNot disclosed
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Kolo CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Kolo CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Kolo CardVisaCoinbase One CardAmerican Express
- Card formats
- Kolo CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Kolo CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Kolo Card$9,000/dayCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Kolo Card$9,000/monthCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Coinbase One CardNot disclosed
- Fiat deposits
- Kolo CardNot disclosedCoinbase One CardNot disclosed
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalCoinbase One CardNot disclosed
- Payout currencies
- Kolo CardEURCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Kolo Card1%Coinbase One Card2%
- Max cashback
- Kolo Card2%Coinbase One Card4%
- Reward currency
- Kolo CardBTC cashbackCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Kolo CardNot offeredCoinbase One CardUp to 3.5% APY
- How it works
- Kolo CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Kolo CardNot offeredCoinbase One CardNo
- Use balance for spending
- Kolo CardNot offeredCoinbase One CardNo
- Lock-up
- Kolo CardNot offeredCoinbase One CardYes
Trust & availability
6 fields- Custody
- Kolo CardCustodialCoinbase One CardCustodial
- Control until payment
- Kolo CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedCoinbase One CardFirst Electronic Bank
- Custody / key management
- Kolo CardNot disclosedCoinbase One CardCoinbase, Inc.
- Identity verification
- Kolo CardSumSubCoinbase One CardNot disclosed
- Programme operator
- Kolo CardHardline Holding LimitedCoinbase One CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card28Coinbase One Card23
- Last reviewed
- Kolo CardAug 28, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 56 for Coinbase One Card. Kolo Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 1%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Kolo Card and Coinbase One Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 vs 0). 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 Coinbase One Card reviews first.
Continue with
Kolo Card
Continue with
Coinbase One Card
05 · Common questions
Kolo vs Coinbase One FAQ
Is Kolo or Coinbase One better overall?
Kolo Card has the higher Overall Score (73 vs 56). 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 Coinbase One?
Kolo Card has the lower starting plan cost ($0 vs $49.99/year). 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 Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and Coinbase One differ on custody?
Kolo Card and Coinbase One Card use the same custodial balance setup.
How current is this Kolo vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.