Karta Personal vs Kolo Card
On real usage, Karta Personal leads: $53.6M was spent with it in October 2026, against $20.5M for the other card. On our computed rating, Kolo Card scores higher (3.8 vs 3.7 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | Karta Personal | Kolo Card |
|---|---|---|
| Our rating | 3.7 / 10 (provisional) | 3.8 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Prepaid | Prepaid |
| Card formats | Virtual · Physical | Virtual |
| Availability | 150+ countries. Provider does not publish the full list. | 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 | No cashback advertised. | 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 | Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. | 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 | Topped up with crypto from the user's wallet; top-ups are free. A wallet-direct model is in development on Tempo, the payments chain from Stripe and Paradigm: the user approves the card once with a spending limit (Tempo Access Keys), and at the terminal the card debits the user's own wallet with nothing to sign, settlement final in about 500 ms and a chain fee of about $0.001 paid in stablecoins. Karta's treasury already runs on Tempo and the user app is moving over, per @xKseilas (November 2026); the pre-funded top-up model is what is live today. | 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 | $53.6M · #5 of 28 tracked · Onchain, daily batches | $20.5M · #7 of 28 tracked · Onchain |
| Facts checked | 2026-11-12 | 2026-10-21 |
| Cashback used in our math | No cashback | 2%, cap $100/month |
Karta Personal
Frequent travelers who want a high-acceptance Visa Signature card with free crypto top-ups.
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, Karta Personal or Kolo Card?+
In October 2026, $53.6M was spent with Karta Personal and $20.5M with Kolo Card, across the programs tracked by PaymentScan and republished by Castle Labs. Karta Personal is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, Karta Personal or Kolo Card?+
On the published terms in this directory, Karta Personal lists: No cashback advertised. 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 Karta Personal and Kolo Card?+
Karta Personal: Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. 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.