COCA Card vs Kolo Card

Side-by-side comparison of 2 crypto debit cards

	COCA Card 4.0/5 self_custodialmastercard	Kolo Card 4.0/5 self_custodialboth
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	€0	$0
Issuance Fee	€0 (virtual); €20 for Starter/Standard physical, Free for Premium/Elite physical	10 USDC (spendable balance)
Rewards
Max Cashback	1%	25%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Industry-leading cashback rates (up to 8% for Elite tier) Zero fees for most common transactions (issuance, annual, FX) 50% rebates on popular subscription services (Netflix, Spotify, ChatGPT, Amazon Prime) High daily spending limit (€30,000) across all tiers	BTC cashback on every spend (2% standard, 5% welcome bonus) No monthly or inactivity fees currently Transparent fee structure with 0% mark-ups on major stablecoins Real-time crypto-to-fiat conversion at point of sale
Cons	Limited geographic availability (no North America, most of Asia/Africa) Supports only stablecoins, not other cryptocurrencies Requires manual conversion before spending (though direct deposit to card address provides automatic conversion) Requires Curve workaround for Apple Pay and Samsung Pay integration	Operating under testing regulatory regime with pending license approval Dynamic spending limits can be reduced to $0 without notice Cash-like transactions restricted (crypto purchases, money orders, P2P funding) Cashback program details not fully disclosed publicly and can change