SolidSolid
89
Side-by-side card comparison
Solid vs Kolo: overall score versus use-case fit
Solid Card has the higher Overall Score by 16 points (89 vs 73). Solid Card looks stronger for Cashback, Funds control, and Lowest fees, while Kolo Card comes out ahead for Travel and Transfers.
Information checked Aug 28, 202648 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Travel 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.
OverallSolid89Kolo73Higher score
CashbackSolid91Kolo54Higher score
TravelSolid62Kolo70Higher score
Funds controlSolid97Kolo56Higher score
Lowest feesSolid89Kolo83Higher score
TransfersSolid83Kolo92Higher score
Choose Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Savings can stay productive while spending
- Up to 50% on eligible AI subscriptions
- Eligible ACH/wire receive details
Choose Kolo Card if travel and transfers matter most
Kolo Card comes out ahead for Travel 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
- Solid89Kolo73
Solid Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Solid$0 plan · 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
- Solid3% base · up to 5%Kolo1% base · up to 2%
Solid Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- SolidSelf-controlled walletKoloCustodial balance
Solid 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
- SolidVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Solid3 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 4).
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
- 3%-5%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 1 fiat
- Payout methods
- 3 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Solid Card
Get $15
$15 new-user bonus after qualifying card spend
- Activate the Solid Card.
- Complete $75 of card spend.
Solid Card promo code15QRE
Solid may change or end the referral programme; check the current Rewards Terms before signing up.
Kolo Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsSolid CardOverall89Kolo CardOverall73
Solid CardOverall89Kolo CardOverall73Scores
6 fields- Overall Score
- Solid Card89Kolo Card73
- Cashback score
- Solid Card91Kolo Card54
- Travel score
- Solid Card62Kolo Card70
- Funds control score
- Solid Card97Kolo Card56
- Lowest fees score
- Solid Card89Kolo Card83
- Transfers score
- Solid Card83Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Solid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptionsKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Solid CardThe best rates require millions of points, ATM availability is still being checkedKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Solid Card$0Kolo Card$0
- FX fee
- Solid Card1%Kolo Card1%
- Top-up fee
- Solid Card0%Kolo Card0%
- Card spending fee
- Solid Card0%Kolo CardNot disclosed
- ATM fee
- Solid CardNot availableKolo Card$1 + 0.65%
- Virtual card
- Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or SavingsKolo CardFree
- Physical card
- Solid CardPhysical card not listedKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Solid Card3 plans: Core, Prime, UltraKolo CardNot disclosed
- Top cashback plan
- Solid CardUltra: 5%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Solid CardVisaKolo CardVisa
- Card formats
- Solid CardVirtualKolo CardVirtual
- ATM withdrawals
- Solid CardNot availableKolo CardAvailable
- Mobile wallets
- Solid CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Solid CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Solid CardShown in appKolo Card$9,000/day
- Monthly spending limit
- Solid CardShown in appKolo Card$9,000/month
- ATM limit
- Solid CardNot disclosedKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, ArbitrumKolo CardNot disclosed
- Crypto deposits
- Solid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSEKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Solid CardUSD virtual accountKolo CardNot disclosed
- Transfers
- Solid CardStablecoin transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Solid CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Solid Card3%Kolo Card1%
- Max cashback
- Solid Card5%Kolo Card2%
- Reward currency
- Solid CardUSDC cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Solid CardUp to 14% APYKolo CardNot offered
- How it works
- Solid CardBorrow against collateral, Optional earn vaultKolo CardNot offered
- Separate deposit
- Solid CardYesKolo CardNot offered
- Use balance for spending
- Solid CardNoKolo CardNot offered
- Lock-up
- Solid CardNot disclosedKolo CardNot offered
Trust & availability
6 fields- Custody
- Solid CardSelf-custodyKolo CardCustodial
- Control until payment
- Solid CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Solid CardRain, Third NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Solid CardFuse Network LtdKolo CardNot disclosed
- Identity verification
- Solid CardNot disclosedKolo CardSumSub
- Programme operator
- Solid CardFuse Network LtdKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Solid Card20Kolo Card28
- Last reviewed
- Solid CardAug 25, 2026Kolo CardAug 28, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 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. Solid Card has the higher published base cashback rate (3% vs 1%).
Kolo Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Solid 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 4). 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 Solid Card and Kolo Card reviews first.
Continue with
Solid Card
Continue with
Kolo Card
05 · Common questions
Solid vs Kolo FAQ
Is Solid or Kolo better overall?
Solid Card has the higher Overall Score (89 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, Solid 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, Solid or Kolo?
Solid Card has the higher published base cashback rate (3% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solid and Kolo differ on custody?
Solid 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 Solid vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.