Gnosis Pay Card vs Kolo Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Gnosis Pay Card scores higher overall (8.9 vs 8.5), but the better pick depends on what you need.
by Gnosis Pay
Pick Gnosis Pay if you want a card that
- ✓pays more cashback
- ✓supports more coins
by Kolo
Pick Kolo if you want a card that
- ✓rated higher by users
- ✓cheaper to open
- ✓works with Apple Pay
- ✓works with Google Pay
Side by side
| Gnosis Pay | Kolo | |
|---|---|---|
| Editor score | 8.9/10Better | 8.5/10 |
| User rating | 6.2/10 | 7.7/10Better |
| ID check | ID verification | ID verification |
| Card fee | $30.23 | FreeBetter |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Not listed |
| FX fee | Not listed | Not listed |
| Daily limit | $8,000 | No stated limit |
| Cashback | 4%Better | 2% |
| Card type | Physical | Virtual and physical |
| Network | Visa | Visa |
| Apple Pay | No | YesBetter |
| Google Pay | No | YesBetter |
| Coins | 3Better | 0 |
Gnosis Pay: pros and cons
- +First self-custodial Visa card of its kind
- +Up to 4% cashback, or 5% with GNO holdings and the OG NFT
- +No transaction or foreign exchange fees
- +Works directly with a Safe smart wallet
- −1.5% stabilization fee on every transaction
- −Supports only EURe, GBPe and USDCe
- −Not usable for car rentals or fuel pumps
- −Daily spending cap of 8,000 EUR
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 Gnosis Pay Card or Kolo Card better?
Gnosis Pay Card has the higher editor score (8.9/10). Gnosis Pay pays more cashback and supports more coins. Kolo rated higher by users, cheaper to open and works with Apple Pay.
Which is cheaper, Gnosis Pay or Kolo?
Gnosis Pay charges $30.23 to open and an unlisted fee 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 Gnosis Pay and Kolo require KYC?
Gnosis Pay: yes, id verification. Kolo: yes, id verification.
Do Gnosis Pay and Kolo work with Apple Pay?
Gnosis Pay does not work with Apple Pay and Kolo works with Apple Pay.