TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Kolo: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 1 point (74 vs 73). Tuyo Card looks stronger for Funds control, while Kolo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202640 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Kolo Card may be the better fit for Cashback, 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.
OverallTuyo74Kolo73Higher score
CashbackTuyo39Kolo54Higher score
TravelTuyo42Kolo70Higher score
Funds controlTuyo100Kolo56Higher score
Lowest feesTuyo71Kolo83Higher score
TransfersTuyo72Kolo92Higher score
Choose Tuyo Card if funds control matters most
Tuyo 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 control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
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
- Tuyo74Kolo73
Tuyo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Kolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TuyoSelf-controlled walletKoloCustodial balance
Tuyo 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
- TuyoVirtual · Apple Pay, Google PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · 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 2).
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
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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
CardsTuyo CardOverall74Kolo CardOverall73
Tuyo CardOverall74Kolo CardOverall73Scores
6 fields- Overall Score
- Tuyo Card74Kolo Card73
- Cashback score
- Tuyo Card39Kolo Card54
- Travel score
- Tuyo Card42Kolo Card70
- Funds control score
- Tuyo Card100Kolo Card56
- Lowest fees score
- Tuyo Card71Kolo Card83
- Transfers score
- Tuyo Card72Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Tuyo Card$0Kolo Card$0
- FX fee
- Tuyo Card1–3%Kolo Card1%
- Top-up fee
- Tuyo CardNot disclosedKolo Card0%
- Card spending fee
- Tuyo Card0%Kolo CardNot disclosed
- ATM fee
- Tuyo CardNot availableKolo Card$1 + 0.65%
- Virtual card
- Tuyo CardFreeKolo CardFree
- Physical card
- Tuyo CardComing soon; not currently availableKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Tuyo CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaKolo CardVisa
- Card formats
- Tuyo CardVirtualKolo CardVirtual
- ATM withdrawals
- Tuyo CardNot availableKolo CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Kolo Card$9,000/day
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Kolo Card$9,000/month
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Kolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonKolo CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Tuyo CardVirtual-account receivingKolo CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Tuyo CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Kolo Card1%
- Max cashback
- Tuyo Card100%Kolo Card2%
- Reward currency
- Tuyo CardUSDKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYKolo CardNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultKolo CardNot offered
- Separate deposit
- Tuyo CardYesKolo CardNot offered
- Use balance for spending
- Tuyo CardYesKolo CardNot offered
- Lock-up
- Tuyo CardNot disclosedKolo CardNot offered
Trust & availability
8 fields- Custody
- Tuyo CardSelf-custodyKolo CardCustodial
- Control until payment
- Tuyo CardYou keep controlKolo CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalKolo CardBanco Popular de Puerto Rico, Wirex Limited
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Kolo CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Kolo CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedKolo CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedKolo CardSumSub
- Programme operator
- Tuyo CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Tuyo Card12Kolo Card28
- Last reviewed
- Tuyo CardAug 5, 2026Kolo CardAug 28, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 73 for Kolo Card. Kolo Card has the lower published FX fee (1% vs 1–3%). Kolo Card has the higher published base cashback rate (1% vs 0%).
Kolo Card still comes out ahead for Cashback, Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo 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 2). 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 Tuyo Card and Kolo Card reviews first.
Continue with
Tuyo Card
Continue with
Kolo Card
05 · Common questions
Tuyo vs Kolo FAQ
Is Tuyo or Kolo better overall?
Tuyo Card has the higher Overall Score (74 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, Tuyo or Kolo?
Kolo Card has the lower published FX fee (1% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo or Kolo?
Kolo Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tuyo and Kolo differ on custody?
Tuyo 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 Tuyo 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.