The Kolo Card earns 1% BTC + 2% welcome cashback on a Visa debit card with no annual fee, available in 60+ countries.
Kolo is a crypto wallet and card product operated by Hardline Holding Limited, a fintech registered with the Astana International Financial Centre (AIFC) in Kazakhstan, with a related EU entity (BURVIX SP. Z O.O.) authorized as a virtual asset service provider in Poland. The platform offers a Visa-network debit card via partnership with a third-party issuer and operates internationally.
The Kolo Card is a crypto debit card offered by Kolo, available in 60+ countries. It offers 1% BTC + 2% welcome cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 1% | All purchases, BTC cashback, $100/mo cap, $1/txn cap |
| Welcome Bonus | 2% | First 30 days, $2/txn cap |
On $500/mo spend, the estimated monthly cost breakdown for Kolo Card is: gas $0.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $1.00/mo cashback that is still a net cost of about $4.00/mo ($48.00/yr). Kolo Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: 1% BTC cashback on all purchases ($100/mo cap, $1/txn cap). 2% BTC welcome bonus for first 30 days ($2/txn cap). Rates reduced from 2%/5% at launch (CoinDesk Dec 2025) to current 1%/2% (confirmed SpendNode/kkinvesting Jun 2026). 170+ countries. US excluded (confirmed by multiple third-party reviews). Virtual + physical card. Opening the card requires a 10 USDC activation deposit that is returned in full as spendable card balance, so net cost to open is $0 (this is the '100% cashback' label some listings show, not a cashback rate). 1% transaction fee on all purchases. 0% markup on USDT/USDC/EURC stablecoins. 1% fee for non-domestic merchants. MiCA-ready. Service provider changed from Cryppo UAB to BURVIX SP (Poland) late 2025. Physical card planned Q3 2026. Corporate Visa cards launched. Kolo's own homepage contradicts itself on coverage: its page title reads "Spend in 60+ Countries" while the body says the card works in "more than 170 countries", so the 60+ figure recorded here is the conservative half of a provider-internal conflict rather than a settled number. That page also states an unqualified "Get 2% cashback in btc" with no mention of a welcome period, a standard rate or a cap, so the 1% standard plus 2% first-30-days split recorded here rests on third-party reviews rather than any Kolo page (checked again 2026-09-11 and 2026-09-25, unchanged both times; lastVerified deliberately not bumped for that reason).
Other crypto cards in the same region or category that may suit your spending profile:
The Kolo Card is a crypto debit card offered by Kolo. It is available in 60+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Kolo Card offers 1% BTC + 2% welcome cashback. There are 2 tiers: Standard (1%), Welcome Bonus (2%).
The Kolo Card has an annual fee of $0. Additional fees: Conversion fee: 1% all transactions; FX fee: 1% non-domestic.
Yes. The Kolo Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Kolo Card is available in 60+ countries.
The Kolo Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Kolo Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.