Tuyo Visa Card vs Kolo Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Tuyo Visa Card scores higher overall (9.4 vs 8.5), but 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
| Tuyo | Kolo | |
|---|---|---|
| Editor score | 9.4/10Better | 8.5/10 |
| User rating | 7.5/10 | 7.7/10Better |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| 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 and physical | Virtual and physical |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 2Better | 0 |
Tuyo: pros and cons
- +Self-custodial, with up to 11% APY on deposits
- +No issuance, monthly or USD transaction fees
- +Deposits accepted from Ethereum, Base, Arbitrum, Optimism and Polygon
- +Free transfers to other Tuyo users
- −USDC only, so little choice of assets
- −No ATM withdrawals or PIN
- −Virtual card only for now, physical card still to come
- −KYC needed to get the card
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 Tuyo Visa Card or Kolo Card better?
Tuyo Visa Card has the higher editor score (9.4/10). Tuyo supports more coins. Kolo rated higher by users and pays more cashback.
Which is cheaper, Tuyo or Kolo?
Tuyo charges free 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 Tuyo and Kolo require KYC?
Tuyo: yes, id verification. Kolo: yes, id verification.
Do Tuyo and Kolo work with Apple Pay?
Tuyo works with Apple Pay and Kolo works with Apple Pay.