MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Kolo: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 3 points (76 vs 73). MetaMask Card looks stronger for Travel and Funds control, while Kolo Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Aug 28, 202640 official sources reviewed
01 · Overall score versus use-case fit
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Cashback, Lowest fees, and Transfers. 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.
OverallMetaMask76Kolo73Higher score
CashbackMetaMask49Kolo54Higher score
TravelMetaMask91Kolo70Higher score
Funds controlMetaMask87Kolo56Higher score
Lowest feesMetaMask82Kolo83Higher score
TransfersMetaMask59Kolo92Higher score
Choose MetaMask Card if travel and funds control matter most
MetaMask 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.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
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
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
- MetaMask76Kolo73
MetaMask Card has the higher Overall Score by 3 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXKolo$0 plan · 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
- MetaMask1% base · up to 3%Kolo1% base · up to 2%
Both cards show the same base cashback rate of 1%.
- Funds control
- MetaMaskSelf-controlled walletKoloCustodial balance
MetaMask Card uses a self-controlled wallet setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 5).
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%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- 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
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
CardsMetaMask CardOverall76Kolo CardOverall73
MetaMask CardOverall76Kolo CardOverall73Scores
6 fields- Overall Score
- MetaMask Card76Kolo Card73
- Cashback score
- MetaMask Card49Kolo Card54
- Travel score
- MetaMask Card91Kolo Card70
- Funds control score
- MetaMask Card87Kolo Card56
- Lowest fees score
- MetaMask Card82Kolo Card83
- Transfers score
- MetaMask Card59Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- MetaMask Card$0Kolo Card$0
- FX fee
- MetaMask Card0–1%Kolo Card1%
- Top-up fee
- MetaMask Card0%Kolo Card0%
- Card spending fee
- MetaMask CardNot disclosedKolo CardNot disclosed
- ATM fee
- MetaMask Card0–2%Kolo Card$1 + 0.65%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierKolo CardFree
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalKolo CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Kolo CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardKolo CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- MetaMask CardAvailableKolo CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedKolo Card$9,000/day
- Monthly spending limit
- MetaMask CardNot disclosedKolo Card$9,000/month
- ATM limit
- MetaMask CardLimits shown in appKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadKolo CardNot disclosed
- Crypto deposits
- MetaMask CardNot disclosedKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- MetaMask CardNot disclosedKolo CardNot disclosed
- Transfers
- MetaMask CardStablecoin transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- MetaMask CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Kolo Card1%
- Max cashback
- MetaMask Card3%Kolo Card2%
- Reward currency
- MetaMask CardmUSD cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYKolo CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultKolo CardNot offered
- Separate deposit
- MetaMask CardYesKolo CardNot offered
- Use balance for spending
- MetaMask CardYesKolo CardNot offered
- Lock-up
- MetaMask CardNoKolo CardNot offered
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyKolo CardCustodial
- Control until payment
- MetaMask CardYou keep controlKolo CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- MetaMask CardCrypto LifeKolo CardSumSub
- Programme operator
- MetaMask CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- MetaMask Card12Kolo Card28
- Last reviewed
- MetaMask CardAug 12, 2026Kolo CardAug 28, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 73 for Kolo Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 1%.
Kolo Card still comes out ahead for Cashback, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card uses a self-controlled wallet setup, while Kolo Card uses a custodial balance 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 5). 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 MetaMask Card and Kolo Card reviews first.
Continue with
MetaMask Card
Continue with
Kolo Card
05 · Common questions
MetaMask vs Kolo FAQ
Is MetaMask or Kolo better overall?
MetaMask Card has the higher Overall Score (76 vs 73). 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, MetaMask or Kolo?
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, MetaMask or Kolo?
Both cards show the same base cashback rate of 1%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and Kolo differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.