TriaTria
67
Side-by-side card comparison
Tria vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 6 points (73 vs 67). Tria Card looks stronger for Funds control, while Kolo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202649 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Funds control. 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.
OverallTria67Kolo73Higher score
CashbackTria45Kolo54Higher score
TravelTria62Kolo70Higher score
Funds controlTria91Kolo56Higher score
Lowest feesTria51Kolo83Higher score
TransfersTria63Kolo92Higher score
Choose Tria Card if funds control matters most
Tria Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
Choose Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback, 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
- Tria67Kolo73
Kolo Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXKolo$0 plan · 1% FX
Kolo Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Tria1.5% base · up to 6%Kolo1% base · up to 2%
Tria Card has the higher published base cashback rate (1.5% vs 1%).
- Funds control
- TriaSelf-controlled walletKoloCustodial balance
Tria 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
- TriaVirtual + Physical · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tria2 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 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
CardsTria CardOverall67Kolo CardOverall73
Tria CardOverall67Kolo CardOverall73Scores
6 fields- Overall Score
- Tria Card67Kolo Card73
- Cashback score
- Tria Card45Kolo Card54
- Travel score
- Tria Card62Kolo Card70
- Funds control score
- Tria Card91Kolo Card56
- Lowest fees score
- Tria Card51Kolo Card83
- Transfers score
- Tria Card63Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Tria Card$25/yearKolo Card$0
- FX fee
- Tria Card0–3%Kolo Card1%
- Top-up fee
- Tria Card1%Kolo Card0%
- Card spending fee
- Tria CardNot disclosedKolo CardNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Kolo Card$1 + 0.65%
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCKolo CardFree
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumKolo CardNot disclosed
- Top cashback plan
- Tria CardPremium: 6%Kolo CardNot disclosed
Everyday use
8 fields- Network
- Tria CardVisaKolo CardVisa
- Card formats
- Tria CardVirtual, PhysicalKolo CardVirtual
- ATM withdrawals
- Tria CardAvailableKolo CardAvailable
- Mobile wallets
- Tria CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebKolo CardiOS, Android
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayKolo Card$9,000/day
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayKolo Card$9,000/month
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Kolo CardNot disclosed
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Tria CardNot disclosedKolo CardNot disclosed
- Transfers
- Tria CardStablecoin transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Tria CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Tria Card1.5%Kolo Card1%
- Max cashback
- Tria Card6%Kolo Card2%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYKolo CardNot offered
- How it works
- Tria CardOptional earn vaultKolo CardNot offered
- Separate deposit
- Tria CardNot disclosedKolo CardNot offered
- Use balance for spending
- Tria CardNot disclosedKolo CardNot offered
- Lock-up
- Tria CardNoKolo CardNot offered
Trust & availability
5 fields- Custody
- Tria CardSelf-custodyKolo CardCustodial
- Control until payment
- Tria CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Tria CardNot disclosedKolo CardSumSub
- Programme operator
- Tria CardThreely Dimensions Inc.Kolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Tria Card21Kolo Card28
- Last reviewed
- Tria CardAug 25, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 67 for Tria Card. Kolo Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 1%).
Tria Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Tria 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 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 Tria Card and Kolo Card reviews first.
Continue with
Tria Card
Continue with
Kolo Card
05 · Common questions
Tria vs Kolo FAQ
Is Tria or Kolo better overall?
Kolo Card has the higher Overall Score (73 vs 67). 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, Tria or Kolo?
Kolo Card has the lower starting plan cost ($0 vs $25/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tria or Kolo?
Tria Card has the higher published base cashback rate (1.5% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tria and Kolo differ on custody?
Tria 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 Tria vs Kolo comparison?
The latest information check for these two cards was August 28, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.