The Karta Card earns Points-based cashback on a Visa debit card with no annual fee, available in Europe, APAC, LATAM, Middle East (not US).
Karta issues virtual Visa Signature cards funded with stablecoins, aimed at freelancers and contractors paid in crypto outside the United States. Accounts are opened through a Telegram bot with a short identity check, and the company says the card is used monthly by over 20,000 people.
The Karta Card is a crypto debit card offered by Karta, available in Europe, APAC, LATAM, Middle East (not US). It offers Points-based cashback rewards on purchases. There is no annual fee to hold this card.
Note that the card is virtual only. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
On $500/mo spend, the estimated monthly cost breakdown for Karta Card is: gas $0.00, conversion spread $0.00, flat/FX fees $7.50, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Karta Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: WARNING: Karta charges 1.5% on every card payment, which is unusual for a crypto card and is charged whether or not any reward is earned. Rewards are marketed as '25% cashback in Karat tokens on every purchase', with KARAT valued by Karta at 1 USDT = 100 KARAT (equivalently 1 KARAT = 0.01 USDT). KARAT is an internal balance with no external market or published redemption path, so no cash-equivalent rate is recorded here, and an independent card directory instead reports 1% and says KARAT accrues only on referrals' spending. The 25% figure is therefore Karta's own unaudited claim rather than a verified rate. Karta's own sources also disagree on two fees: karta.io/personal-global lists the physical card at 'from 100 USDT' and ATM withdrawals at 1.5% + 1 USDT, while the Karta Personal help centre lists card issuance at '5 USDT instead of 30' and ATM withdrawals at 2.5% + 1 USDT; the help-centre figures are recorded here as the more detailed fee document. Confirmed either way: virtual card 5 USDT (promotional, from 30 USDT), reissue 15 USDT, no monthly or annual fee, crypto top-up free except TRC-20 at 5.90 USDT, external withdrawals 0.1% plus network fee, and Visa's own 1% international transaction fee on non-USD spending. Physical metal card listed as coming soon. Supports USDT and USDC on Tron, Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, and Solana, plus BTC and ETH. Karta's terms require users to attest they are not United States citizens.
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The Karta Card is a crypto debit card offered by Karta. It is available in Europe, APAC, LATAM, Middle East (not US) and allows users to spend cryptocurrency at merchants worldwide.
The Karta Card offers Points-based cashback.
The Karta Card has an annual fee of $0. Additional fees: Conversion fee: 1.5% on every card payment; FX fee: 1% Visa international transaction fee on non-USD; ATM: 2.5% + 1 USDT; Top-up: Free (5.90 USDT on TRC-20).
Supported assets include USDT, USDC, BTC, ETH; top-up methods include Crypto deposit; crypto deposits are supported on Tron, Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, Solana.
Yes. Karta requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Karta Card is available in Europe, APAC, LATAM, Middle East (not US).
The Karta Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.