FassetFasset
53
Side-by-side card comparison
Fasset vs Karta Personal: overall score versus use-case fit
Karta Personal Card has the higher Overall Score by 8 points (61 vs 53). Fasset Card looks stronger for Cashback, while Karta Personal Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 11, 202634 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. Fasset Card may be the better fit for Cashback. 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.
OverallFasset53Karta Personal61Higher score
CashbackFasset19Karta Personal14Higher score
TravelFasset30Karta Personal46Higher score
Funds controlFasset45Karta Personal92Higher score
Lowest feesFasset51Karta Personal53Higher score
TransfersFasset50Karta Personal90Higher score
Choose Fasset Card if cashback matters most
Fasset Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
Choose Karta Personal Card if travel and funds control matter most
Karta Personal Card comes out ahead for Travel, 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
- Fasset53Karta Personal61
Karta Personal Card has the higher Overall Score by 8 points.
- Entry cost & FX
- FassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply 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
- FassetNot disclosedKarta Personal0% cashback
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- FassetCustodial balanceKarta PersonalSelf-controlled wallet
Fasset 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
- FassetVirtual · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Fasset1 stablecoin · Card balance back to Fasset WalletKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 2).
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
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
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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
CardsFasset CardOverall53Karta Personal CardOverall61
Fasset CardOverall53Karta Personal CardOverall61Scores
6 fields- Overall Score
- Fasset Card53Karta Personal Card61
- Cashback score
- Fasset Card19Karta Personal Card14
- Travel score
- Fasset Card30Karta Personal Card46
- Funds control score
- Fasset Card45Karta Personal Card92
- Lowest fees score
- Fasset Card51Karta Personal Card53
- Transfers score
- Fasset Card50Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Fasset CardClear internal USDT funding flow, Broad phone-wallet supportKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Fasset CardForeign spend can be expensive, OWN reward economics are missingKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Fasset CardNot disclosedKarta Personal Card$0
- FX fee
- Fasset Card3% non-USD FX; up to 3% cross-border may also applyKarta Personal Card1–3%
- Top-up fee
- Fasset Card0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Fasset Card0%Karta Personal Card1.5%
- ATM fee
- Fasset CardNot availableKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Fasset Card9.99 USDT activation / issuance feeKarta Personal Card5 USDT one-time
- Physical card
- Fasset CardNot disclosedKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Fasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soonKarta Personal CardNot disclosed
- Top cashback plan
- Fasset CardNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Fasset CardVisaKarta Personal CardVisa
- Card formats
- Fasset CardVirtualKarta Personal CardVirtual
- ATM withdrawals
- Fasset CardNot availableKarta Personal CardAvailable
- Mobile wallets
- Fasset CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Fasset CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Fasset Card$2,000 per dayKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Fasset CardNot publicly disclosedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Fasset CardNot applicable; ATM cash advances unavailableKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Fasset CardNot disclosedKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Fasset CardStablecoins: USDTKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Fasset CardNot disclosedKarta Personal CardBank deposits
- Transfers
- Fasset CardCard balance back to Fasset WalletKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Fasset CardNot disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Fasset CardNot disclosedKarta Personal Card0%
- Max cashback
- Fasset CardNot disclosedKarta Personal Card0%
- Reward currency
- Fasset CardOWN pointsKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Fasset CardNot offeredKarta Personal CardNot offered
- How it works
- Fasset CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Fasset CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Fasset CardNot offeredKarta Personal CardNot offered
- Lock-up
- Fasset CardNot offeredKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- Fasset CardCustodialKarta Personal CardSelf-custody
- Control until payment
- Fasset CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- Fasset CardThird NationalKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Fasset CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Fasset CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Fasset CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Fasset Card9Karta Personal Card25
- Last reviewed
- Fasset CardAug 11, 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 53 for Fasset Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Fasset 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 2). 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 Fasset Card and Karta Personal Card reviews first.
Continue with
Fasset Card
Continue with
Karta Personal Card
05 · Common questions
Fasset vs Karta Personal FAQ
Is Fasset or Karta Personal better overall?
Karta Personal Card has the higher Overall Score (61 vs 53). 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, Fasset 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, Fasset or Karta Personal?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fasset and Karta Personal differ on custody?
Fasset 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 Fasset vs Karta Personal comparison?
The latest information check for these two cards was August 11, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.