JupiterJupiter
81
Side-by-side card comparison
Jupiter vs Karta Personal: overall score versus use-case fit
Jupiter Card has the higher Overall Score by 20 points (81 vs 61). Jupiter Card looks stronger for Cashback, Travel, and Lowest fees, while Karta Personal Card comes out ahead for Funds control and Transfers.
Information checked Aug 12, 202650 official sources reviewed
01 · Overall score versus use-case fit
Jupiter Card is the better all-round starting point
Jupiter Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control and Transfers. 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.
OverallJupiter81Karta Personal61Higher score
CashbackJupiter87Karta Personal14Higher score
TravelJupiter52Karta Personal46Higher score
Funds controlJupiter54Karta Personal92Higher score
Lowest feesJupiter79Karta Personal53Higher score
TransfersJupiter76Karta Personal90Higher score
Choose Jupiter Card if cashback and travel matter most
Jupiter Card comes out ahead for Cashback, Travel, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
Choose Karta Personal Card if funds control and transfers matter most
Karta Personal Card comes out ahead for Funds control 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
- Jupiter81Karta Personal61
Jupiter Card has the higher Overall Score by 20 points.
- Entry cost & FX
- Jupiter$0 plan · 1–1.8% FXKarta Personal$0 plan · 1–3% FX
Jupiter Card has the lower published FX fee (1–1.8% vs 1–3%).
- Purchase rewards
- Jupiter2% base · up to 4%Karta Personal0% cashback
Jupiter Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- JupiterCustodial balanceKarta PersonalSelf-controlled wallet
Jupiter 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
- JupiterVirtual · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Jupiter2 stablecoins · Noah local and SWIFT payoutsKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 3).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 1–1.8%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 20 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Jupiter Card
Get $20
$20 after qualifying Jupiter Card spend
- Activate the Jupiter Card.
- Spend $1,000 on qualifying card purchases within 30 days of activation.
Jupiter Card promo codeZEJ8C4ZS
Offer terms can change. Check the current Jupiter Spend referral programme before applying.
Karta Personal Card
No active signup offer listed
We do not currently list an active signup offer for this card.
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
CardsJupiter CardOverall81Karta Personal CardOverall61
Jupiter CardOverall81Karta Personal CardOverall61Scores
6 fields- Overall Score
- Jupiter Card81Karta Personal Card61
- Cashback score
- Jupiter Card87Karta Personal Card14
- Travel score
- Jupiter Card52Karta Personal Card46
- Funds control score
- Jupiter Card54Karta Personal Card92
- Lowest fees score
- Jupiter Card79Karta Personal Card53
- Transfers score
- Jupiter Card76Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Jupiter Card2% base cashback in USDC, No annual or USD spend feeKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Jupiter Card4% requires fresh referrals, FX depends on your issuerKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Jupiter Card$0Karta Personal Card$0
- FX fee
- Jupiter Card1–1.8%Karta Personal Card1–3%
- Top-up fee
- Jupiter Card0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Jupiter Card0%Karta Personal Card1.5%
- ATM fee
- Jupiter CardNot availableKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Jupiter CardNot disclosedKarta Personal Card5 USDT one-time
- Physical card
- Jupiter CardPlanned by the end of 2026; not currently availableKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Jupiter CardNot disclosedKarta Personal CardNot disclosed
- Top cashback plan
- Jupiter CardNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Jupiter CardVisaKarta Personal CardVisa
- Card formats
- Jupiter CardVirtualKarta Personal CardVirtual
- ATM withdrawals
- Jupiter CardNot availableKarta Personal CardAvailable
- Mobile wallets
- Jupiter CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Jupiter CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Jupiter CardDCS: $50,000/day; Rain: no disclosed daily limitKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Jupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Jupiter CardNot available on the current digital-only cardKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Jupiter CardSolana, Sui, Arbitrum, BaseKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Jupiter CardStablecoins: USDC, USDTKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Jupiter CardUSD virtual account receive, EUR virtual account receiveKarta Personal CardBank deposits
- Transfers
- Jupiter CardNoah local and SWIFT payoutsKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Jupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, JPY +12Karta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Jupiter Card2%Karta Personal Card0%
- Max cashback
- Jupiter Card4%Karta Personal Card0%
- Reward currency
- Jupiter CardUSDCKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Jupiter CardNot disclosedKarta Personal CardNot offered
- How it works
- Jupiter CardOptional earn vaultKarta Personal CardNot offered
- Separate deposit
- Jupiter CardYesKarta Personal CardNot offered
- Use balance for spending
- Jupiter CardNoKarta Personal CardNot offered
- Lock-up
- Jupiter CardNoKarta Personal CardNot offered
Trust & availability
7 fields- Custody
- Jupiter CardCustodialKarta Personal CardSelf-custody
- Control until payment
- Jupiter CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- Jupiter CardRain, DCSKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- Jupiter CardNot disclosedKarta Personal CardPrivy
- Deposits & withdrawals
- Jupiter CardNoahKarta Personal CardNot disclosed
- Identity verification
- Jupiter CardSumsubKarta Personal CardSumsub
- Programme operator
- Jupiter CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Jupiter Card25Karta Personal Card25
- Last reviewed
- Jupiter CardAug 12, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
Jupiter Card is the stronger all-round choice
Jupiter Card finishes ahead with an Overall Score of 81 versus 61 for Karta Personal Card. Jupiter Card has the lower published FX fee (1–1.8% vs 1–3%). Jupiter Card has the higher published base cashback rate (2% vs 0%).
Karta Personal Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Jupiter 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 3). 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 Jupiter Card and Karta Personal Card reviews first.
Continue with
Jupiter Card
Continue with
Karta Personal Card
05 · Common questions
Jupiter vs Karta Personal FAQ
Is Jupiter or Karta Personal better overall?
Jupiter Card has the higher Overall Score (81 vs 61). 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, Jupiter or Karta Personal?
Jupiter Card has the lower published FX fee (1–1.8% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Jupiter or Karta Personal?
Jupiter Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Jupiter and Karta Personal differ on custody?
Jupiter 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 Jupiter vs Karta Personal comparison?
The latest information check for these two cards was August 12, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.