KoloKolo
73
Side-by-side card comparison
Kolo vs Coinbase One
Kolo Card has the higher Overall Score by 17 points (73 vs 56). Kolo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202651 official sources reviewed
Kolo Card
Best fit
- Spending supported crypto with a free virtual card and no monthly plan fee.
- Earning BTC cashback without staking or joining a paid membership tier.
- Sending funds to other Kolo users or cashing out through EUR SEPA.
Before you choose
- Payments from any digital asset cost 1% conversion; FX adds another 1%.
- 2% cashback lasts 30 days, then drops to 1%; the monthly cap is $100.
- The card remains virtual; 170+ acceptance countries do not guarantee issuance.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsKolo CardOverall73Coinbase One CardOverall56
Kolo CardOverall73Coinbase One CardOverall56Scores
- 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 Card40
- Transfers score
- Kolo Card92Coinbase One Card24
Costs
- 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
- 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
- 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
- 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
- Base cashback
- Kolo Card1%Coinbase One Card2%
- Max cashback
- Kolo Card2%Coinbase One Card4%
- Reward currency
- Kolo CardBTC cashbackCoinbase One CardBitcoin
Earn
- Advertised APY
- Kolo CardNot offeredCoinbase One CardNot disclosed
- 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
- 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
- Official sources
- Kolo Card28Coinbase One Card23
- Last reviewed
- Kolo CardAug 28, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Kolo or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Kolo lists BTC cashback; Coinbase One lists Bitcoin.
Keeping recurring costs down
Kolo's base plan is $0, compared with $49.99/year for Coinbase One. This favours Kolo for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Kolo lists 1%, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
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 October 11, 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.