Kolo Card vs Rizon Card

Side-by-side comparison of 2 crypto debit cards

	Kolo Card 4.0/5 self_custodialboth	Rizon Card 4.0/5 self_custodialvisa
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	Free
Issuance Fee	10 USDC (spendable balance)	$1 (virtual card)
Rewards
Max Cashback	25%	5% back on eligible purchases via RIZpoints
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 - users maintain control of stablecoins until spending No Monthly Fees - zero maintenance costs for all usage levels Instant Virtual Card - immediate issuance and mobile wallet integration Multi-Chain Support - deposit options across numerous blockchain networks
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 Geographic Availability - new registration restricted to US and LATAM Stablecoin-Only - no support for BTC, ETH, or other cryptocurrencies ATM Withdrawal Limits - $250 daily maximum may be restrictive High ATM Fees - 2% + $3.00 for USD withdrawals, higher for foreign currency