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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Karta Visa Signature card front
62Overall

Best fit

  • Managing a USDT-funded spending card directly through Telegram.
  • Funding from supported USDT or USDC networks without a monthly plan fee.

Before you choose

  • Purchases cost 1.5%; FX and cross-border fees can add separate charges.
  • Personal purchases earn no cashback; Karat rewards come from referrals.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Karta Personal Card: 62
Cashback score
MPChat Card: 18
Karta Personal Card: 15
Travel score
MPChat Card: 72
Karta Personal Card: 47
Funds control score
MPChat Card: 41
Karta Personal Card: 92
Lowest fees score
MPChat Card: 60
Karta Personal Card: 55
Transfers score
MPChat Card: 58
Karta Personal Card: 91
02

Costs

Plan cost
MPChat Card: $0
Karta Personal Card: $0
FX fee
MPChat Card: 0%
Karta Personal Card: 1–3%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Karta Personal Card: Free on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
Card spending fee
MPChat Card: 0.8%
Karta Personal Card: 1.5%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Karta Personal Card: USD 1 + 2.5%
Virtual card
MPChat Card: Cloud: 10 USDT one time
Karta Personal Card: 5 USDT one-time
Physical card
MPChat Card: $100
Karta Personal Card: 99 USDT plastic / 299 USDT Metal LED preorder
Network conversion surcharge
MPChat Card: Not disclosed
Karta Personal Card: 1%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Karta Personal Card: Not listed
Base cashback
MPChat Card: Not disclosed
Karta Personal Card: 0%
Max cashback
MPChat Card: Not disclosed
Karta Personal Card: 0%
Reward currency
MPChat Card: Not disclosed
Karta Personal Card: Not disclosed
Cashback cap · entry plan
MPChat Card: Not disclosed
Karta Personal Card: Not disclosed
04

Everyday use

Network
MPChat Card: Visa
Karta Personal Card: Visa
Card formats
MPChat Card: Virtual, Physical
Karta Personal Card: Virtual
ATM withdrawals
MPChat Card: Available
Karta Personal Card: Available
Mobile wallets
MPChat Card: Google Pay
Karta Personal Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Karta Personal Card: No app listed
Daily spending limit
MPChat Card: $250,000 / day
Karta Personal Card: $25,000 per transaction; no universal daily amount published
Monthly spending limit
MPChat Card: $1,000,000 / month
Karta Personal Card: Not publicly disclosed; limits are dynamic
ATM limit
MPChat Card: $1,500 / day
Karta Personal Card: $250 / withdrawal
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Karta Personal Card: Polygon, Base, Optimism, BNB Smart Chain, Arbitrum +18
Stablecoin deposits
MPChat Card: USDT
Karta Personal Card: USDT, USDC
Other crypto deposits
MPChat Card: Not disclosed
Karta Personal Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Karta Personal Card: USD ACH, USD SWIFT, USD Domestic wire +4
Crypto transfers
MPChat Card: External USDT withdrawal
Karta Personal Card: External crypto payout
Internal transfers
MPChat Card: Not disclosed
Karta Personal Card: Karta-to-Karta transfer
Bank transfers
MPChat Card: Not disclosed
Karta Personal Card: Bank payout
Payout currencies
MPChat Card: Not disclosed
Karta Personal Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
Karta Personal Card: Not offered
How it works
MPChat Card: Not offered
Karta Personal Card: Not offered
Separate deposit
MPChat Card: Not offered
Karta Personal Card: Not offered
Use balance for spending
MPChat Card: Not offered
Karta Personal Card: Not offered
Lock-up
MPChat Card: Not offered
Karta Personal Card: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Karta Personal Card: Self-custody
Control until payment
MPChat Card: Provider controls funds
Karta Personal Card: You keep control
Card issuer
MPChat Card: Not disclosed
Karta Personal Card: Nimbus LLC d/b/a Third National
Custody / key management
MPChat Card: Not disclosed
Karta Personal Card: Privy
Identity verification
MPChat Card: Not disclosed
Karta Personal Card: Sumsub
Programme operator
MPChat Card: Not disclosed
Karta Personal Card: Karta Finance, Inc.
Official sources
MPChat Card: 30
Karta Personal Card: 25
Last reviewed
MPChat Card: Nov 12, 2026
Karta Personal Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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