MetaMask Card vs Kolo Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. MetaMask Card scores higher overall (8.7 vs 8.5), but the better pick depends on what you need.
MetaMask Card
by MetaMask
8.7editor score 6.3/10
Pick MetaMask if you want a card that
- ✓pays more cashback
- ✓supports more coins
Side by side
| MetaMask | Kolo | |
|---|---|---|
| Editor score | 8.7/10Better | 8.5/10 |
| User rating | 6.3/10 | 7.7/10Better |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Not listed |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | 3%Better | 2% |
| Card type | Virtual and physical | Virtual and physical |
| Network | Mastercard | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 3Better | 0 |
MetaMask: pros and cons
- +Real self-custody, spending directly from the MetaMask wallet
- +Smart contract verification in under 5 seconds
- +Up to 3% cashback on Metal Card purchases
- +Works across Linea, Base and Solana
- −Metal Card costs $199 per year
- −Pilot phase with limited regions
- −Cashback paid in mUSD rather than USDC
- −Fewer supported tokens than rivals
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 MetaMask Card or Kolo Card better?
MetaMask Card has the higher editor score (8.7/10). MetaMask pays more cashback and supports more coins. Kolo rated higher by users.
Which is cheaper, MetaMask or Kolo?
MetaMask charges free 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 MetaMask and Kolo require KYC?
MetaMask: yes, id verification. Kolo: yes, id verification.
Do MetaMask and Kolo work with Apple Pay?
MetaMask works with Apple Pay and Kolo works with Apple Pay.