Kolo Card vs Payy Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. They score the same overall, so the better pick depends on what you need.
Kolo Card
by Kolo
8.5editor score 7.7/10
Pick Kolo if you want a card that
- ✓rated higher by users
- ✓pays more cashback
Side by side
| Kolo | Payy | |
|---|---|---|
| Editor score | 8.5/10 | 8.5/10 |
| User rating | 7.7/10Better | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Free |
| FX fee | Not listed | Free |
| Daily limit | No stated limit | No stated limit |
| Cashback | 2%Better | None |
| Card type | Virtual and physical | Virtual and physical |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 0 | 1Better |
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
Payy: pros and cons
- +Zero-knowledge proofs keep wallet activity separate from card spending
- +Self-custodial, so funds cannot be frozen or suspended
- +No monthly, transaction or top-up fees
- +Works with OpenAI, Netflix and Spotify, which many cards do not
- −1% foreign exchange fee on international purchases
- −Physical card is contactless only, with no chip or swipe
- −No cashback or rewards program
- −USDC only
Questions
Is Kolo Card or Payy Card better?
Both cards share the same editor score. Kolo rated higher by users and pays more cashback. Payy supports more coins.
Which is cheaper, Kolo or Payy?
Kolo charges free to open and an unlisted fee per top-up. Payy charges free to open and free per top-up. The top-up fee matters most if you load larger amounts.
Do Kolo and Payy require KYC?
Kolo: yes, id verification. Payy: yes, id verification.
Do Kolo and Payy work with Apple Pay?
Kolo works with Apple Pay and Payy works with Apple Pay.