Avici Card vs Kolo Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Avici Card scores higher overall (8.8 vs 8.5), but the better pick depends on what you need.
Avici Card
by Avici
8.8editor score 8.5/10
Pick Avici if you want a card that
- ✓rated higher by users
- ✓supports more coins
Kolo Card
by Kolo
8.5editor score 7.7/10
Pick Kolo if you want a card that
- ✓cheaper to open
- ✓pays more cashback
- ✓also comes as a physical card
Side by side
| Avici | Kolo | |
|---|---|---|
| Editor score | 8.8/10Better | 8.5/10 |
| User rating | 8.5/10Better | 7.7/10 |
| ID check | ID verification | ID verification |
| Card fee | $15.00 | FreeBetter |
| Monthly fee | Free | Free |
| Top-up fee | Free | Not listed |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | 2%Better |
| Card type | Virtual | Virtual and physicalBetter |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 4Better | 0 |
Avici: pros and cons
- +Self-custodial, with collateral in an escrow contract only your wallet controls
- +$15 one-time for the first virtual card and no monthly fee
- +0% FX markup and no top-up or transaction fees
- +Supports Apple Pay and Google Pay
- −An August 2026 exploit drained Solana card balances, though Avici refunded users in full
- −Platinum ATM withdrawals cost $1 + 0.65%
- −Disputes carry a non-refundable $35 fee
- −No cashback or spending rewards
Kolo: pros and cons
- +Lowest crypto-to-fiat conversion fee in the industry at 0.32%
- +Memecoins such as PEPE spendable directly through Memepay
- +50,000 USD daily limit, above average
- +No foreign transaction fees
- −Virtual only, so no ATM withdrawals
- −Not usable for car rentals or hotel deposits
- −The 5% cashback is promotional and standard rates are lower
- −Fees and limits not fully published
Questions
Is Avici Card or Kolo Card better?
Avici Card has the higher editor score (8.8/10). Avici rated higher by users and supports more coins. Kolo cheaper to open, pays more cashback and also comes as a physical card.
Which is cheaper, Avici or Kolo?
Avici charges $15.00 to open and free per top-up. Kolo charges free to open and an unlisted fee per top-up. The top-up fee matters most if you load larger amounts.
Do Avici and Kolo require KYC?
Avici: yes, id verification. Kolo: yes, id verification.
Do Avici and Kolo work with Apple Pay?
Avici works with Apple Pay and Kolo works with Apple Pay.