KoloKolo
73
Side-by-side card comparison
Kolo vs Spritz: overall score versus use-case fit
Kolo Card has the higher Overall Score by 11 points (73 vs 62). Kolo Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Spritz Card comes out ahead for Funds control.
Information checked Aug 28, 202669 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. Spritz 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.
OverallKolo73Spritz62Higher score
CashbackKolo54Spritz34Higher score
TravelKolo70Spritz46Higher score
Funds controlKolo56Spritz62Higher score
Lowest feesKolo83Spritz44Higher score
TransfersKolo92Spritz64Higher score
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
Choose Spritz Card if funds control matters most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Kolo73Spritz62
Kolo Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Kolo$0 plan · 1% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KoloCustodial balanceSpritzHybrid custody
Kolo Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KoloVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz 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 withdrawalSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Kolo Card lists more stablecoins and ways to send money out (10 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall73Spritz CardOverall62
Kolo CardOverall73Spritz CardOverall62Scores
6 fields- Overall Score
- Kolo Card73Spritz Card62
- Cashback score
- Kolo Card54Spritz Card34
- Travel score
- Kolo Card70Spritz Card46
- Funds control score
- Kolo Card56Spritz Card62
- Lowest fees score
- Kolo Card83Spritz Card44
- Transfers score
- Kolo Card92Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Kolo Card$0Spritz Card$0
- FX fee
- Kolo Card1%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Kolo Card0%Spritz Card1–3%
- Card spending fee
- Kolo CardNot disclosedSpritz Card0%
- ATM fee
- Kolo Card$1 + 0.65%Spritz CardNot disclosed
- Virtual card
- Kolo CardFreeSpritz CardNot disclosed
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableSpritz CardNot disclosed
Plans
2 fields- Available plans
- Kolo CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Kolo CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Kolo CardVisaSpritz CardVisa
- Card formats
- Kolo CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Kolo CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Kolo Card$9,000/daySpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Kolo Card$9,000/monthSpritz CardNot disclosed
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Spritz CardOther crypto: Crypto top-up
- Fiat deposits
- Kolo CardNot disclosedSpritz CardNot disclosed
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Kolo CardEURSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Kolo Card1%Spritz Card0%
- Max cashback
- Kolo Card2%Spritz Card5%
- Reward currency
- Kolo CardBTC cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Kolo CardNot offeredSpritz CardNot offered
- How it works
- Kolo CardNot offeredSpritz CardNot offered
- Separate deposit
- Kolo CardNot offeredSpritz CardNot offered
- Use balance for spending
- Kolo CardNot offeredSpritz CardNot offered
- Lock-up
- Kolo CardNot offeredSpritz CardNot offered
Trust & availability
6 fields- Custody
- Kolo CardCustodialSpritz CardHybrid custody
- Control until payment
- Kolo CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedSpritz CardNot disclosed
- Card processing
- Kolo CardNot disclosedSpritz CardRain
- Identity verification
- Kolo CardSumSubSpritz CardNot disclosed
- Programme operator
- Kolo CardHardline Holding LimitedSpritz CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card28Spritz Card41
- Last reviewed
- Kolo CardAug 28, 2026Spritz 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 62 for Spritz 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%).
Spritz 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. Kolo Card uses a custodial balance setup, while Spritz Card uses a hybrid custody 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 1). 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 Spritz Card reviews first.
Continue with
Kolo Card
Continue with
Spritz Card
05 · Common questions
Kolo vs Spritz FAQ
Is Kolo or Spritz better overall?
Kolo Card has the higher Overall Score (73 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Kolo Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Kolo vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 69 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.