Kolo Card vs Gnosis Pay Card

Side-by-side comparison of 2 crypto debit cards

	Kolo Card 4.0/5 self_custodialboth	Gnosis Pay Card 4.0/5 self_custodialvisa
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	€0
Issuance Fee	10 USDC (spendable balance)	€30.23 (one-time, often waived through promotions/referrals)
Rewards
Max Cashback	25%	0% - 5% depending on tier and OG NFT status
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	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	True self-custody model preserves control of private keys and assets Zero-fee structure for normal usage (no transaction, FX, or off-ramping fees) Generous cashback program offering up to 5% in GNO tokens with weekly payouts Seamless integration with traditional payment rails and Visa acceptance
Cons	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	Limited cryptocurrency support (only EURe, GBPe, and USDCe stablecoins) Currently available only in Europe, UK, Argentina, and Brazil Cannot be used for car rentals, automated fuel pumps, gambling, and certain other merchant categories Initial setup and fund bridging has a learning curve for crypto newcomers