KoloKolo
73
Side-by-side card comparison
Kolo vs Decaf
Kolo Card has the higher Overall Score by 9 points (73 vs 64). Kolo Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Decaf Card comes out ahead for Funds control.
Latest check Oct 19, 202649 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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsKolo CardOverall73Decaf CardOverall64
Kolo CardOverall73Decaf CardOverall64Scores
- Overall Score
- Kolo Card73Decaf Card64
- Cashback score
- Kolo Card54Decaf Card29
- Travel score
- Kolo Card70Decaf Card60
- Funds control score
- Kolo Card56Decaf Card63
- Lowest fees score
- Kolo Card83Decaf Card57
- Transfers score
- Kolo Card92Decaf Card70
Costs
- Plan cost
- Kolo Card$0Decaf Card$0
- FX fee
- Kolo Card1%Decaf Card1–2%
- Top-up fee
- Kolo Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Kolo CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Kolo Card$1 + 0.65%Decaf Card0% Decaf markup
- Virtual card
- Kolo CardFreeDecaf Card$5
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableDecaf Card$90 international / $10 US
Plans
- Available plans
- Kolo CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Kolo CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Kolo CardVisaDecaf CardVisa
- Card formats
- Kolo CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Kolo CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Kolo Card$9,000/dayDecaf CardNot disclosed
- Monthly spending limit
- Kolo Card$9,000/monthDecaf CardNot disclosed
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Kolo CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Decaf CardStablecoins: USDC
- Fiat deposits
- Kolo CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Kolo CardEURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Kolo Card1%Decaf CardNot disclosed
- Max cashback
- Kolo Card2%Decaf CardNot disclosed
- Reward currency
- Kolo CardBTC cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Kolo CardNot offeredDecaf CardNot disclosed
- How it works
- Kolo CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Kolo CardNot offeredDecaf CardYes
- Use balance for spending
- Kolo CardNot offeredDecaf CardNot disclosed
- Lock-up
- Kolo CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Kolo CardCustodialDecaf CardNon-custodial
- Control until payment
- Kolo CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedDecaf CardThird National, Inc.
- Card processing
- Kolo CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Kolo CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Kolo CardSumSubDecaf CardNot disclosed
- Programme operator
- Kolo CardHardline Holding LimitedDecaf CardNot disclosed
Sources
- Official sources
- Kolo Card28Decaf Card21
- Last reviewed
- Kolo CardAug 28, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Kolo or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Kolo lists 1%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Kolo does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Sending money to a bank
For bank payouts, Kolo has reviewed routes in EUR; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
Kolo vs Decaf FAQ
Is Kolo or Decaf better overall?
Kolo Card has the higher Overall Score (73 vs 64). 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 Decaf?
Kolo Card has the lower published FX fee (1% vs 1–2%). 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and Decaf differ on custody?
Kolo Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Kolo vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.