MPChatMPChat
52
Side-by-side card comparison
MPChat vs Kolo
Kolo Card has the higher Overall Score by 21 points (73 vs 52). MPChat Card looks stronger for Travel, while Kolo Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Latest check Nov 12, 202658 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
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.
Fees & features
Compare the details
CardsMPChat CardOverall52Kolo CardOverall73
MPChat CardOverall52Kolo CardOverall73Scores
- Overall Score
- MPChat Card52Kolo Card73
- Cashback score
- MPChat Card18Kolo Card54
- Travel score
- MPChat Card72Kolo Card70
- Funds control score
- MPChat Card41Kolo Card56
- Lowest fees score
- MPChat Card60Kolo Card83
- Transfers score
- MPChat Card58Kolo Card92
Costs
- Plan cost
- MPChat Card$0Kolo Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateKolo Card1%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardKolo Card0%
- Card spending fee
- MPChat Card$0.10 + 0.8%Kolo CardNot disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessKolo Card$1 + 0.65%
- Virtual card
- MPChat CardCloud: 10 USDT one timeKolo CardFree
- Physical card
- MPChat CardBoundless: 100 USDT one timeKolo CardPlanned for Q3 2026; not currently available
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardKolo CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedKolo CardNot disclosed
- Base cashback
- MPChat CardNot disclosedKolo Card1%
- Max cashback
- MPChat CardNot disclosedKolo Card2%
- Reward currency
- MPChat CardNot disclosedKolo CardBTC cashback
Everyday use
- Network
- MPChat CardVisaKolo CardVisa
- Card formats
- MPChat CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- MPChat CardAvailableKolo CardAvailable
- Mobile wallets
- MPChat CardGoogle PayKolo CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedKolo CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerKolo Card$9,000/day
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerKolo Card$9,000/month
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Kolo CardNot disclosed
- Crypto deposits
- MPChat CardStablecoins: USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- MPChat CardNot disclosedKolo CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- MPChat CardNot disclosedKolo CardEUR
Earn
- Advertised APY
- MPChat CardNot offeredKolo CardNot offered
- How it works
- MPChat CardNot offeredKolo CardNot offered
- Separate deposit
- MPChat CardNot offeredKolo CardNot offered
- Use balance for spending
- MPChat CardNot offeredKolo CardNot offered
- Lock-up
- MPChat CardNot offeredKolo CardNot offered
Trust & availability
- Custody
- MPChat CardCustodialKolo CardCustodial
- Control until payment
- MPChat CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- MPChat CardNot disclosedKolo CardSumSub
- Programme operator
- MPChat CardNot disclosedKolo CardHardline Holding Limited
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Kolo Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Kolo
Paying with a physical card
MPChat offers a physical card, while Kolo does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Kolo's include 1INCH, APE, ARB, BNB and other assets. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs Kolo FAQ
Is MPChat or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 52). 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, MPChat or Kolo?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or Kolo?
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 MPChat and Kolo differ on custody?
MPChat Card and Kolo Card use the same custodial balance setup.
How current is this MPChat vs Kolo comparison?
The latest information check for these two cards was November 12, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.