Comparison
Cypher Card vs. Karta Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cypher CardCypher
-
karta.io29 Oct 2026
Image source
Source
karta.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Karta CardKarta.io
In short
- Karta Card has the lowest foreign currency fee (1 % above the network rate).
- Karta Card has the best score (68.27).
| Attribute |
Cypher CardCypher
|
Karta CardKarta.io
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical Metal | Requires KYC Private Virtual Physical Metal |
| Score | average with variant Premium (discontinued): 58.28 | good |
| CostsWeight 25 % | 68 | 68 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 76 | 89 |
| AvailabilityWeight 10 % | not scored | 79 |
| RewardsWeight 10 % | not scored | 100 |
| TrustWeight 10 % | 81 | 81 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs)same for all |
credit
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
# CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDITChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
debit
karta.io checked 29 Oct 2026
Two sources, two values
Showndebit
karta.iochecked 29 Oct 2026
- Debit card (Visa Signature) accepted at 150 million merchantsDifferingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical, metal
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical, metal
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Step 4: Consider upgrading to Karta's physical metal card (from 100 USDT) if you prefer having a physical cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card networksame for all |
Visa
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Only you control your wallet. Secure by design — send, receive, and manage your crypto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet....Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
karta.io checked 29 Oct 2026
Two sources, two values
Shownstablecoin balance
karta.iochecked 29 Oct 2026
a Visa card funded from your stablecoin balance.Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card currenciessame for all |
USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- You will use the Cypher Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
The primary purpose of your Account is for personal expenses.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
Third National
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
- "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Third National
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
"Karta Finance Inc" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs)same for all |
plan
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
not published
legal.karta.io checked 30 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
Your spending limit is generally set by Karta pursuant to the terms of the Karta Terms. Karta may additionally set spending limits on each Karta Card or an aggregate spending limit across all Karta Ca...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all |
not published
legal.karta.io checked 30 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
We may decide not to grant requests for Karta Cards or limit the number of physical or virtual Karta Cards provided to you.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Availability | ||
| Available insame for all |
Not available in 21 countries and regions
legal.karta.io checked 29 Oct 2026
Source and check
Source
legal.karta.io
Wording at the source
Karta Accounts are not available in the following jurisdictions: - Bangladesh - Belarus - Brazil - Cuba - Democratic People's Republic of Korea - Egypt - Iran - Iraq - India - Israel - Myanmar - Chin...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Crypto | ||
| Supported assets (differs)same for all |
ETH, USDC, SOL
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USDT, USDC
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networks (differs)same for all |
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. HyperliquidChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Stablecoins: USDT or USDC on Tron (TRC-20), Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs)same for all |
No
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
No, it's not possible to fund the card with fiat.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Fiat transfers: ACH (USD), SWIFT (USD), Domestic Wire (USD), SEPA (EUR), PIX (BRL), Bank Transfer (COP), and SPEI (MXN).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Use Karta Visa Signature® worldwide. Instant virtual and physical cards. Compatible with Apple Pay, Google Pay, and global ATM cash access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
For in-store contactless payments, add your Karta virtual card to your mobile wallet:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs)same for all |
0.00 USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Virtual card✅ Free ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
5.00 USDT promotion, no end date stated
karta.io checked 30 Oct 2026
Source and check
Source
karta.io
Wording at the source
Signing up is free, and you can get started right away. There's a one-time fee of 30 USDT 5 USDT for issuing your virtual Visa Signature® card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? , regular 30.00 USDT karta.io checked 30 Oct 2026 Source and check Source karta.io Wording at the source Signing up is free, and you can get started right away. There's a one-time fee of 30 USDT 5 USDT for issuing your virtual Visa Signature® card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Physical card issuancesame for all | unknown | |
| Free cardssame for all | unknown | |
| Shippingsame for all | unknown | |
| Monthly feesame for all |
0.00 USD
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
Karta alternative: Zero monthly fees. Your account remains active as long as you use it, with no minimum balance requirements and no hidden maintenance charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Annual feesame for all |
199.00 USD
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Premium$199 billed annuallyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
0 % above the market rate
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
While competitors charge 2-5% just to load your card, Karta offers 0% commission on crypto deposits. Your 100 USDT becomes $100 in spending power—no hidden conversion spreads, no "processing fees," no...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Foreign currency fee (differs)same for all |
1.75 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.75 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1 % above the network rate
karta.io checked 29 Oct 2026
Two sources, two values
Shown1 % above the network rate
karta.iochecked 29 Oct 2026
💡 Visa network charge: Visa applies a standard 1% international transaction fee on payments made in currencies other than USD. This is a Visa network standard separate from Karta's fees.Differingvalue not recorded legal.karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM fee (differs)same for all |
3 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2 %
cypherhq.io checked 29 Oct 2026
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
2.5 % + 1.00 USDT
karta.io checked 29 Oct 2026
Two sources, two values
Shown2.5 % + 1.00 USDT
karta.iochecked 29 Oct 2026
| ATM withdrawal (successful) | 1 USDT + 2.5% |Differingvalue not recorded karta.iofetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
1.5 %
karta.io checked 29 Oct 2026
Source and check
Source
karta.io
Wording at the source
| Card payment fee | 1.5% per transaction |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all | unknown | |
| Unknown for all | Physical card issuance · Free cards · Shipping · Top-up fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | 25 % (spend from 0/month) · in KARAT | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all |
5 USD
karta.io checked 30 Oct 2026
Source and check
Source
karta.io
Wording at the source
Karta pays $5 for every friend who activates a card through your referral link.Checked Verified Value wrong? No earlier versions What does [s] mean? |
|
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Cypher Card · Karta Card: promotions and bonuses as well as warnings and incidents.