TangemTangem
77
Side-by-side card comparison
Tangem vs Kolo: overall score versus use-case fit
Tangem Card has the higher Overall Score by 4 points (77 vs 73). Tangem Card looks stronger for Cashback and Funds control, while Kolo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202648 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Travel, 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.
OverallTangem77Kolo73Higher score
CashbackTangem73Kolo54Higher score
TravelTangem63Kolo70Higher score
Funds controlTangem87Kolo56Higher score
Lowest feesTangem52Kolo83Higher score
TransfersTangem65Kolo92Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Kolo Card if travel and lowest fees matter most
Kolo Card comes out ahead for 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
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
- Tangem77Kolo73
Tangem Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Kolo1% base · up to 2%
Both cards show the same base cashback rate of 1%.
- Funds control
- TangemHybrid custodyKoloCustodial balance
Tangem Card uses a hybrid custody 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
- TangemVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem2 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 3).
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
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 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
CardsTangem CardOverall77Kolo CardOverall73
Tangem CardOverall77Kolo CardOverall73Scores
6 fields- Overall Score
- Tangem Card77Kolo Card73
- Cashback score
- Tangem Card73Kolo Card54
- Travel score
- Tangem Card63Kolo Card70
- Funds control score
- Tangem Card87Kolo Card56
- Lowest fees score
- Tangem Card52Kolo Card83
- Transfers score
- Tangem Card65Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Kolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Tangem Card$0Kolo Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownKolo Card1%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateKolo Card0%
- Card spending fee
- Tangem Card0%Kolo CardNot disclosed
- ATM fee
- Tangem Card2–4%Kolo Card$1 + 0.65%
- Virtual card
- Tangem Card$0 for the first virtual cardKolo CardFree
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusKolo CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaKolo CardVisa
- Card formats
- Tangem CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Tangem CardAvailableKolo CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsKolo Card$9,000/day
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthKolo Card$9,000/month
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumKolo CardNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositKolo CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Tangem CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Tangem Card1%Kolo Card1%
- Max cashback
- Tangem Card2%Kolo Card2%
- Reward currency
- Tangem CardUSDCKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredKolo CardNot offered
- How it works
- Tangem CardNot offeredKolo CardNot offered
- Separate deposit
- Tangem CardNot offeredKolo CardNot offered
- Use balance for spending
- Tangem CardNot offeredKolo CardNot offered
- Lock-up
- Tangem CardNot offeredKolo CardNot offered
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyKolo CardCustodial
- Control until payment
- Tangem CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Tangem CardThird NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Tangem CardPaera LLCKolo CardNot disclosed
- Identity verification
- Tangem CardSumsubKolo CardSumSub
- Programme operator
- Tangem CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Tangem Card20Kolo Card28
- Last reviewed
- Tangem CardOct 11, 2026Kolo CardAug 28, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 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 Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem Card uses a hybrid custody 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 3). 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 Tangem Card and Kolo Card reviews first.
Continue with
Tangem Card
Continue with
Kolo Card
05 · Common questions
Tangem vs Kolo FAQ
Is Tangem or Kolo better overall?
Tangem Card has the higher Overall Score (77 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, Tangem 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, Tangem 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 Tangem and Kolo differ on custody?
Tangem Card uses a hybrid custody 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 Tangem vs Kolo comparison?
The latest information check for these two cards was October 11, 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.