XPlace Card vs Kolo Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. XPlace Card scores higher overall (8.6 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
| XPlace | Kolo | |
|---|---|---|
| Editor score | 8.6/10Better | 8.5/10 |
| User rating | 6.7/10 | 7.7/10Better |
| ID check | ID verification | ID verification |
| Card fee | Not listed | Free |
| Monthly fee | Free | Free |
| Top-up fee | 1% | Not listed |
| FX fee | Not listed | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | 2%Better |
| Card type | Virtual and physical | Virtual and physical |
| Network | Mastercard | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 2Better | 0 |
XPlace: pros and cons
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
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 XPlace Card or Kolo Card better?
XPlace Card has the higher editor score (8.6/10). XPlace supports more coins. Kolo rated higher by users and pays more cashback.
Which is cheaper, XPlace or Kolo?
XPlace charges an unlisted fee to open and 1% 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 XPlace and Kolo require KYC?
XPlace: yes, id verification. Kolo: yes, id verification.
Do XPlace and Kolo work with Apple Pay?
XPlace works with Apple Pay and Kolo works with Apple Pay.