Crypto.comCrypto.com Prepaid
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Side-by-side card comparison
Crypto.com Prepaid vs Karta Personal: overall score versus use-case fit
Karta Personal Card has the higher Overall Score by 4 points (61 vs 57). Crypto.com Prepaid Card looks stronger for Cashback and Travel, while Karta Personal Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 14, 202639 official sources reviewed
01 · Overall score versus use-case fit
Karta Personal Card is the better all-round starting point
Karta Personal Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may be the better fit for Cashback and Travel. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCrypto.com Prepaid57Karta Personal61Higher score
CashbackCrypto.com Prepaid31Karta Personal14Higher score
TravelCrypto.com Prepaid57Karta Personal46Higher score
Funds controlCrypto.com Prepaid40Karta Personal92Higher score
Lowest feesCrypto.com Prepaid48Karta Personal53Higher score
TransfersCrypto.com Prepaid47Karta Personal90Higher score
Choose Crypto.com Prepaid Card if cashback and travel matter most
Crypto.com Prepaid Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Karta Personal Card if funds control and lowest fees matter most
Karta Personal Card comes out ahead for Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Crypto.com Prepaid57Karta Personal61
Karta Personal Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXKarta Personal$0 plan · 1–3% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Karta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balanceKarta PersonalSelf-controlled wallet
Crypto.com Prepaid Card uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Karta Personal CardOverall61
Crypto.com Prepaid CardOverall57Karta Personal CardOverall61Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Karta Personal Card61
- Cashback score
- Crypto.com Prepaid Card31Karta Personal Card14
- Travel score
- Crypto.com Prepaid Card57Karta Personal Card46
- Funds control score
- Crypto.com Prepaid Card40Karta Personal Card92
- Lowest fees score
- Crypto.com Prepaid Card48Karta Personal Card53
- Transfers score
- Crypto.com Prepaid Card47Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Karta Personal Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Karta Personal Card1–3%
- Top-up fee
- Crypto.com Prepaid Card2.99%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Crypto.com Prepaid CardNot disclosedKarta Personal Card1.5%
- ATM fee
- Crypto.com Prepaid Card0–2%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedKarta Personal Card5 USDT one-time
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Karta Personal CardNot disclosed
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardKarta Personal CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Crypto.com Prepaid CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upKarta Personal CardBank deposits
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Crypto.com Prepaid CardNot disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Karta Personal Card0%
- Max cashback
- Crypto.com Prepaid Card5%Karta Personal Card0%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredKarta Personal CardNot offered
- How it works
- Crypto.com Prepaid CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Crypto.com Prepaid CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Crypto.com Prepaid CardNot offeredKarta Personal CardNot offered
- Lock-up
- Crypto.com Prepaid CardNot offeredKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Crypto.com Prepaid CardCustodialKarta Personal CardSelf-custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Karta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Crypto.com Prepaid CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Crypto.com Prepaid CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Karta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Karta Personal Card25
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Karta Personal Card is the stronger all-round choice
Karta Personal Card finishes ahead with an Overall Score of 61 versus 57 for Crypto.com Prepaid Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Crypto.com Prepaid Card uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Crypto.com Prepaid Card and Karta Personal Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Karta Personal Card
05 · Common questions
Crypto.com Prepaid vs Karta Personal FAQ
Is Crypto.com Prepaid or Karta Personal better overall?
Karta Personal Card has the higher Overall Score (61 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Crypto.com Prepaid or Karta Personal?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Karta Personal?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Karta Personal differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs Karta Personal comparison?
The latest information check for these two cards was August 14, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.