ether.fi Cash vs Kolo Card
On real usage, ether.fi Cash leads: $141.9M was spent with it in October 2026, against $20.5M for the other card. On our computed rating, ether.fi Cash scores higher (6.8 vs 3.8 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | ether.fi Cash | Kolo Card |
|---|---|---|
| Our rating | 6.8 / 10 (provisional) | 3.8 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Dual-mode · Self-custody | Prepaid |
| Card formats | Virtual · Physical | Virtual |
| Availability | Bank transfers available in 162 countries including the US, UK, EU members, UAE, Pakistan, and India; not available in 24 jurisdictions including Russia, China, Belarus, Iran, and North Korea. Physical Cash card available in 31 US states; Belgium and Ireland are Cash-eligible but have no physical card delivery. xStocks trading available in supported EU countries. | Virtual cards only; a plastic card is planned for 2027 per the review report. Country eligibility is confirmed in the app at sign-up. |
| Rewards | 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. | Standard cashback: 2% for the first 30 days, then 1%, capped at $2 per purchase in the first 30 days and $1 per purchase after, with a $100/month overall cap. Invite promo: 5% back in BTC for the first 2 months on the EUR card. |
| Pricing | Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. | Card free: a $10 deposit is required to issue and is returned as spendable balance. 1% fee on every card payment (conversion). EUR card FX up to 1.35% on non-EUR purchases. SEPA payout EUR 1. Default spend cap $9,000/month. |
| Funding | Crypto deposits carry no ether.fi deposit fee; you pay network gas only. Deposit supported crypto into a non-custodial ether.fi Vault; funds become available for spending in Direct Pay mode or serve as collateral in Borrow mode. Bank transfer funding: USD ACH ($0.50 + 0.10%), USD wire/SWIFT ($20 + 0.10%), EUR SEPA, GBP Faster Payments, AUD, MXN, COP, AED local transfers. | Fund the Kolo wallet, then issue a USD virtual Visa Platinum (via Rain) or a EUR virtual Visa Platinum (via Wirex). SEPA payouts cost EUR 1. There is no personal IBAN for receiving EUR. |
| Spent in October 2026 | $141.9M · #2 of 28 tracked · Onchain | $20.5M · #7 of 28 tracked · Onchain |
| Facts checked | 2026-11-12 | 2026-10-21 |
| Cashback used in our math | up to 65%, cap $2,000/month | 2%, cap $100/month |
ether.fi Cash
Crypto holders who want credit-card spending power without selling their assets or giving up custody, plus travel perks.
Kolo Card
Users who want a free virtual USD or EUR Visa Platinum card with cashback and can work within a $9,000 monthly default spend cap.
Questions about this pair
Which is used more, ether.fi Cash or Kolo Card?+
In October 2026, $141.9M was spent with ether.fi Cash and $20.5M with Kolo Card, across the programs tracked by PaymentScan and republished by Castle Labs. ether.fi Cash is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, ether.fi Cash or Kolo Card?+
On the published terms in this directory, ether.fi Cash lists: 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. Kolo Card lists: Standard cashback: 2% for the first 30 days, then 1%, capped at $2 per purchase in the first 30 days and $1 per purchase after, with a $100/month overall cap. Invite promo: 5% back in BTC for the first 2 months on the EUR card. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between ether.fi Cash and Kolo Card?+
ether.fi Cash: Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. Kolo Card: Card free: a $10 deposit is required to issue and is returned as spendable balance. 1% fee on every card payment (conversion). EUR card FX up to 1.35% on non-EUR purchases. SEPA payout EUR 1. Default spend cap $9,000/month. Provider fees and regional terms change, so confirm on the official fee pages linked from each profile.
More comparisons
Spend figures are settled payments tracked by PaymentScan and republished by Castle Labs for October 2026; see the spend tracker for methodology and caveats. Ratings are computed from structured listing facts by a fixed formula; see how we rate. This comparison is educational content, not a personal recommendation.