# Karma Card vs. Karta Card: fees, limits & KYC

- Karta Card has the best score (7.8).

## Basics

|  | Karma Card | Karta Card |
| --- | --- | --- |
| **Card form** | credit | debit |
| **Card types** | virtual, physical | virtual, physical, metal |
| Card network | Visa | Visa |
| Custody | self-custody | self-custody |
| Funding model | stablecoin balance | stablecoin balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| Issuer / BIN sponsor | Third National | Third National |
| Limits depend on | unknown | not published |
| Cards per account | unknown | not published |

## Availability

|  | Karma Card | Karta Card |
| --- | --- | --- |
| Available in | unknown | Not available in 21 countries and regions |

## Crypto

|  | Karma Card | Karta Card |
| --- | --- | --- |
| **Supported assets** | USDC | USDT, USDC |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | Ethereum, Polygon, Arbitrum, Optimism | Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism |
| Fiat top-up | unknown | Yes |

## Payments

|  | Karma Card | Karta Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Karma Card | Karta Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 30.00 USDT |
| Physical card issuance | unknown | unknown |
| Free cards | unknown | unknown |
| Shipping | not published | unknown |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | unknown | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | not published | unknown |
| Crypto conversion fee | unknown | 0 % above the market rate |
| **Foreign currency fee** | 1 % + 0.30 USD | 1 % above the network rate |
| FX free allowance | not published | unknown |
| Minimum FX fee | not published | unknown |
| **ATM fee** | not published | 2.5 % + 1.00 USDT |
| **Transaction fee** | 0.5 % | 1.5 % |
| **Cross-border fee** | 0 % | up to 3 % |
| Withdrawal fee | unknown | unknown |
| Activation fee | not published | unknown |
| Account closure fee | not published | not published |
| Dispute fee | not published | not published |
| Minimum top-up | not published | unknown |
| Declined payment fee | not published | unknown |
| Refund fee | not published | unknown |
| Inactivity fee | not published | unknown |
| Minimum monthly spend | not published | unknown |
| Inactivity rule | unknown | Virtual Account Services may be suspended or terminated after more than 1 year without Orders or account access. |
| Card replacement | not published | unknown |

## Rewards

|  | Karma Card | Karta Card |
| --- | --- | --- |
| **Cashback** | not published | 25 % (spend from 0/month) · in KARAT |
| Referral bonus (invited friend) | unknown | unknown |
| **Referral bonus (you)** | not published | 5 USD |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Karma Card | Karta Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day not published | no limits captured |

- [Karma Card](https://cryptocardss.com/en/karma-card.md)
- [Karta Card](https://cryptocardss.com/en/karta-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/karma-card-vs-karta-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/karma-card-vs-karta-card/