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Kolo Card vs Solid Card

Solid Card scores higher on the G2M score: 82/100 against 46/100 (#3 and #28 of 31 cards). Pick Kolo Card for a lower FX fee; pick Solid Card for cashback and more countries.

Kolo Card46

#28 of 31 · 1% to 2% back · annual fee none

Get KoloRead the review
Solid Card82

#3 of 31 · 3% to 5% back · annual fee none

Get SolidRead the review

The short answer

  • Solid Card scores higher on the G2M score: 82/100 against 46/100 (#3 and #28 of 31 cards).
  • Solid Card pays more cashback on its entry tier: 3% against 1%. Higher tiers go up to 2% on Kolo Card and 5% on Solid Card.
  • Neither card has an annual fee.
  • Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.
  • Solid Card lists 104 countries where it works; Kolo Card does not publish a full country list (3 confirmed so far). Of the markets we check for every card, only Solid Card is confirmed in United States and EU / EEA.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Kolo Card
Solid Card
G2M score
46
82 (better)
Base cashback
1%
3% (better)
Max cashback
2%
5% (better)
Paid in
BTC, daily
USDC
Annual fee
Free
Free
FX fee
1.4% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
1%
None listed
ATM
USD card only: $1 + 0.65%, up to $500 a withdrawal and 3 a day, at contactless ATMs. No ATM access on the EUR card.
Not published
Network
Visa
Visa
Card type
Debit
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Yes
Yes
United States
Unclear
Yes
United Kingdom
Yes
Yes
EU / EEA
Unclear
Yes
Countries
60
104
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
1 currency
Not confirmed
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
No
Yes
Tiers
Kolo Card
Core · Prime · Ultra
Perks
Visa Platinum benefits, claimed through Visa · Send crypto to any SEPA bank account · 2% for the first 30 days
Visa Platinum benefits: purchase and price protection, extended warranty · Yield on savings, and borrowing against them · Bank deposits and swaps at 0.25% · No Solid fees on bank deposits and swaps

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Kolo Card or Solid Card?

Solid Card scores higher on the G2M score: 82/100 against 46/100 (#3 and #28 of 31 cards). Pick Kolo Card for a lower FX fee; pick Solid Card for cashback and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Kolo Card or Solid Card?

Neither card has an annual fee. Kolo Card charges less on foreign currency: a 1.4% FX fee against 1.5%.

Which pays more cashback, Kolo Card or Solid Card?

Solid Card pays more cashback on its entry tier: 3% against 1%. Higher tiers go up to 2% on Kolo Card and 5% on Solid Card.

Which works in more countries, Kolo Card or Solid Card?

Solid Card lists 104 countries where it works; Kolo Card does not publish a full country list (3 confirmed so far). Of the markets we check for every card, only Solid Card is confirmed in United States and EU / EEA.

Who holds my funds with Kolo Card and Solid Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.