PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Kolo: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 14 points (87 vs 73). Plasma One Card looks stronger for Cashback, Travel, Funds control, and Transfers, while Kolo Card comes out ahead for Lowest fees.
Information checked Aug 28, 202640 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Lowest fees. 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.
OverallPlasma One87Kolo73Higher score
CashbackPlasma One78Kolo54Higher score
TravelPlasma One72Kolo70Higher score
Funds controlPlasma One99Kolo56Higher score
Lowest feesPlasma One80Kolo83Higher score
TransfersPlasma One100Kolo92Higher score
Choose Plasma One Card if cashback and travel matter most
Plasma One Card comes out ahead for Cashback, Travel, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
Choose Kolo Card if lowest fees matters most
Kolo Card comes out ahead for Lowest fees 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
- Plasma One87Kolo73
Plasma One Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 0–1%).
- Purchase rewards
- Plasma One2% base · up to 10%Kolo1% base · up to 2%
Plasma One Card has the higher published base cashback rate (2% vs 1%).
- Funds control
- Plasma OneSelf-controlled walletKoloCustodial balance
Plasma One 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
- Plasma OneVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Plasma One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsKolo5 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 6).
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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
CardsPlasma One CardOverall87Kolo CardOverall73
Plasma One CardOverall87Kolo CardOverall73Scores
6 fields- Overall Score
- Plasma One Card87Kolo Card73
- Cashback score
- Plasma One Card78Kolo Card54
- Travel score
- Plasma One Card72Kolo Card70
- Funds control score
- Plasma One Card99Kolo Card56
- Lowest fees score
- Plasma One Card80Kolo Card83
- Transfers score
- Plasma One Card100Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Plasma One Card$0Kolo Card$0
- FX fee
- Plasma One Card0–1%Kolo Card1%
- Top-up fee
- Plasma One Card0%Kolo Card0%
- Card spending fee
- Plasma One CardNot disclosedKolo CardNot disclosed
- ATM fee
- Plasma One CardNot availableKolo Card$1 + 0.65%
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierKolo CardFree
- Physical card
- Plasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.Kolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumKolo CardNot disclosed
- Top cashback plan
- Plasma One CardPlatinum: 4%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Plasma One CardVisaKolo CardVisa
- Card formats
- Plasma One CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Plasma One CardNot availableKolo CardAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Plasma One CardShown in appKolo Card$9,000/day
- Monthly spending limit
- Plasma One CardShown in appKolo Card$9,000/month
- ATM limit
- Plasma One CardNot available, including for physical cardsKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Kolo CardNot disclosed
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountKolo CardNot disclosed
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPKolo CardEUR
Rewards
3 fields- Base cashback
- Plasma One Card2%Kolo Card1%
- Max cashback
- Plasma One Card10%Kolo Card2%
- Reward currency
- Plasma One CardUSD cashback paid in XPLKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYKolo CardNot offered
- How it works
- Plasma One CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Plasma One CardYesKolo CardNot offered
- Use balance for spending
- Plasma One CardNoKolo CardNot offered
- Lock-up
- Plasma One CardNoKolo CardNot offered
Trust & availability
8 fields- Custody
- Plasma One CardSelf-custodyKolo CardCustodial
- Control until payment
- Plasma One CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Plasma One Card0xKolo CardNot disclosed
- Custody / key management
- Plasma One CardPrivy, VedaKolo CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCKolo CardNot disclosed
- Identity verification
- Plasma One CardNot disclosedKolo CardSumSub
- Programme operator
- Plasma One CardPlasmaKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Plasma One Card12Kolo Card28
- Last reviewed
- Plasma One CardAug 27, 2026Kolo CardAug 28, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 73 for Kolo Card. Kolo Card has the lower published FX fee (1% vs 0–1%). Plasma One Card has the higher published base cashback rate (2% vs 1%).
Kolo Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Plasma One 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 6). 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 Plasma One Card and Kolo Card reviews first.
Continue with
Plasma One Card
Continue with
Kolo Card
05 · Common questions
Plasma One vs Kolo FAQ
Is Plasma One or Kolo better overall?
Plasma One Card has the higher Overall Score (87 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, Plasma One or Kolo?
Kolo Card has the lower published FX fee (1% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Plasma One or Kolo?
Plasma 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 Plasma One and Kolo differ on custody?
Plasma One 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 Plasma One 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.