Kolo Card vs Spritz Card

Side-by-side comparison of 2 crypto debit cards

	Kolo Card 4.0/5 self_custodialboth	Spritz Card 3.5/5 self_custodialvisa
Rating
Overall	4.0/5	3.5/5
Fees
Monthly Fee	$0	None
Issuance Fee	10 USDC (spendable balance)	Free
Rewards
Max Cashback	25%	Limited details available; cashback on travel and dining announced for physical card launch
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	No token staking required for premium benefits Extensive cryptocurrency support beyond typical competitors No foreign exchange fees (0%) for international transactions Competitive 1% base conversion fee (with some network/token surcharges)
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publicly and can change	Card-specific cashback rewards still rolling out (limited details available) Funds cannot be withdrawn once loaded to the card Currently available in only 33 US states (expansion ongoing) Minimum $2 fee per card load