#11
Metamask Card
8.0/10
Ranked #13 of 32
Overview
The Kolo Card is a custodial crypto-funded virtual card platform operating natively through a Telegram mini-app and mobile applications. It offers users a Visa Platinum virtual card tailored for spending stablecoins like USDT, USDC, and EURC with a 0% markup fee, and supports instant fiat conversions at over 130 million merchants globally.
While the underlying wallet application includes non-custodial features for the TON ecosystem, the card spending balance itself functions under a custodial arrangement managed by regional partners. The platform is designed for digital nomads and expats looking for seamless integration with Apple Pay and Google Pay without structural foreign exchange markups on major stablecoins.
★ Kolo Card referral code
KOLO7192
Using Kolo Card's referral code at sign-up may unlock a welcome perk where the provider offers one. Availability and amounts are set by Kolo Card and vary by region — check their site for current terms.
Rating breakdown
How the Kolo Card scores across the categories we weigh into its overall 8.0/10.
Fees8.5
Rewards7.1
Usability8.4
Supported Assets8.0
Global Availability7.5
Cashback & rewards
Eans a flat 2% cashback paid in Bitcoin (BTC) on everyday eligible merchant transactions. Cashback rates are subject to modification at the platform's sole discretion without prior notice.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Standard Tier | No staking requirement | 2% | Check the app |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | $$10 |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | Not specified |
| ATM withdrawals | N/A (virtual) |
How to get the Kolo Card
- Download the Kolo Wallet app from the iOS App Store or Google Play Store, or access the Telegram mini-app.
- Complete identity verification (KYC) powered by Sumsub.
- Deposit at least 10 USDC or USDT into your wallet balance.
- Activate your virtual Visa Platinum card inside the app interface.
- The 10 USDC/USDT activation cost is credited back to your spending balance.
Pros & cons
Pros
- Zero monthly or annual maintenance fees.
- Zero percent Kolo markup on major stablecoins like USDT, USDC, and EURC.
- Flat 2% Bitcoin cashback on purchases without any staking or token lockup requirements.
- Full native support for Apple Pay and Google Pay wallet integrations.
Cons
- The card is virtual only with no physical plastic or metal card option available.
- Cashback rewards are paid in a volatile token (BTC) and terms can change arbitrarily.
- Does not support traditional physical ATM cash withdrawals due to virtual card limits.
- Restricted for residents of the United States and heavily sanctioned jurisdictions.
Is It Worth It?
Digital nomads, expats, and web3 enthusiasts who heavily use stablecoins and want a zero-maintenance virtual Visa card for daily expenses via mobile wallets.
Frequently asked questions
Is a physical card available?
No, Kolo is a virtual-only Visa Platinum card designed for digital wallets and online checkouts.
What token is cashback paid in?
Cashback is paid directly in Bitcoin (BTC), which is a volatile cryptocurrency asset.
Does it require identity verification?
Yes, full KYC compliance is mandatory and processed through Sumsub integration.
What are the stablecoin spending fees?
Kolo charges a 0% markup fee when spending from USDT, USDC, or EURC balances.
