Kolo Card vs Tria Card
On real usage, Kolo Card leads: $20.5M was spent with it in October 2026, against $15.8M for the other card. On our computed rating, Tria Card scores higher (7.3 vs 3.8 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | Kolo Card | Tria Card |
|---|---|---|
| Our rating | 3.8 / 10 (provisional) | 7.3 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Prepaid | Debit · Self-custody |
| Card formats | Virtual | Virtual · Plastic · Metal Visa Signature |
| Availability | Virtual cards only; a plastic card is planned for 2027 per the review report. Country eligibility is confirmed in the app at sign-up. | Tria advertises card spending in 150+ countries; confirm current country eligibility in the application flow. |
| Rewards | 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. | Boosted cashback applies to the first slice of monthly spend, then drops: Lite 1.5% on first 1,000 USD/month then 0.5% unlimited; Pro 4.5% on first 1,000 USD/month then 1% unlimited; Max 6% on first 2,000 USD/month then 1% unlimited. The app showed a 10 USD joining bonus during our review, marked as time-limited. |
| Pricing | 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. | Annual memberships: Lite 20 USD, Pro 109 USD, Max 250 USD. ATM withdrawals cost 1 USD plus 1% of the amount, with a 750 USD maximum per transaction and 3 withdrawals per 24 hours. Card top-up minimums are 50 USD for Bitcoin and 10 USD for other supported tokens. |
| Funding | 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. | Top up the card from nine networks: Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos, and Solana. Minimums are 50 USD for BTC and 10 USD for other tokens. Gasless deposits on most chains, except Solana which needs native SOL for gas. Direct SOL deposits are not supported; convert SOL first. Avalanche is not supported for card top-ups. Tria charges no top-up fee itself, but a provider fee applies to swaps and routing and varies with the network, liquidity, and route. TRON top-ups need native TRX for gas. |
| Spent in October 2026 | $20.5M · #7 of 28 tracked · Onchain | $15.8M · #9 of 28 tracked · Onchain |
| Facts checked | 2026-10-21 | 2026-11-12 |
| Cashback used in our math | 2%, cap $100/month | 1.5% |
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.
Tria Card
Self-custody believers who want a Visa card with tiered cashback and can spend enough to justify a membership.
Questions about this pair
Which is used more, Kolo Card or Tria Card?+
In October 2026, $20.5M was spent with Kolo Card and $15.8M with Tria Card, across the programs tracked by PaymentScan and republished by Castle Labs. Kolo Card is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, Kolo Card or Tria Card?+
On the published terms in this directory, 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. Tria Card lists: Boosted cashback applies to the first slice of monthly spend, then drops: Lite 1.5% on first 1,000 USD/month then 0.5% unlimited; Pro 4.5% on first 1,000 USD/month then 1% unlimited; Max 6% on first 2,000 USD/month then 1% unlimited. The app showed a 10 USD joining bonus during our review, marked as time-limited. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between Kolo Card and Tria Card?+
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. Tria Card: Annual memberships: Lite 20 USD, Pro 109 USD, Max 250 USD. ATM withdrawals cost 1 USD plus 1% of the amount, with a 750 USD maximum per transaction and 3 withdrawals per 24 hours. Card top-up minimums are 50 USD for Bitcoin and 10 USD for other supported tokens. 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.