KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs Coinbase One: where the score gap comes from
Karta Personal Card has the higher Overall Score by 6 points (62 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202648 official sources reviewed
01 · Where the gap opens
Karta Personal Card is the better all-round starting point
Karta Personal Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallKarta Personal62Coinbase One56Higher score
CashbackKarta Personal15Coinbase One40Compare the details below
TravelKarta Personal47Coinbase One60Compare the details below
Funds controlKarta Personal92Coinbase One36Compare the details below
Lowest feesKarta Personal55Coinbase One58Compare the details below
TransfersKarta Personal91Coinbase One24Compare the details below
Choose Karta Personal Card if its day-to-day setup suits you
Karta Personal Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Karta Personal62Coinbase One56
Karta Personal Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Karta Personal Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Karta Personal0% cashbackCoinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletCoinbase OneCustodial balance
Karta Personal Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Coinbase One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutCoinbase One0 stablecoins · Not modeled
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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 · 7 fiat
- Payout methods
- 5 crypto · 0 fiat
- Cashback
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsKarta Personal CardOverall62Coinbase One CardOverall56
Karta Personal CardOverall62Coinbase One CardOverall56Scores
6 fields- Overall Score
- Karta Personal Card62Coinbase One Card56
- Cashback score
- Karta Personal Card15Coinbase One Card40
- Travel score
- Karta Personal Card47Coinbase One Card60
- Funds control score
- Karta Personal Card92Coinbase One Card36
- Lowest fees score
- Karta Personal Card55Coinbase One Card58
- Transfers score
- Karta Personal Card91Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Karta Personal Card$0Coinbase One Card$49.99/year
- FX fee
- Karta Personal Card1–3%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Karta Personal Card1.5%Coinbase One CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Karta Personal Card5 USDT one-timeCoinbase One CardNot disclosed
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Karta Personal CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Karta Personal CardVisaCoinbase One CardAmerican Express
- Card formats
- Karta Personal CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Karta Personal CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedCoinbase One CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Coinbase One CardNot disclosed
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCCoinbase One CardNot disclosed
- Fiat deposits
- Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3Coinbase One CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutCoinbase One CardNot disclosed
- Payout currencies
- Karta Personal CardNot disclosedCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Coinbase One Card2%
- Max cashback
- Karta Personal Card0%Coinbase One Card4%
- Reward currency
- Karta Personal CardNo cashbackCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredCoinbase One CardUp to 3.5% APY
- How it works
- Karta Personal CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Karta Personal CardNot offeredCoinbase One CardNo
- Use balance for spending
- Karta Personal CardNot offeredCoinbase One CardNo
- Lock-up
- Karta Personal CardNot offeredCoinbase One CardYes
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyCoinbase One CardCustodial
- Control until payment
- Karta Personal CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalCoinbase One CardFirst Electronic Bank
- Custody / key management
- Karta Personal CardPrivyCoinbase One CardCoinbase, Inc.
- Identity verification
- Karta Personal CardSumsubCoinbase One CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Coinbase One CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Coinbase One Card23
- Last reviewed
- Karta Personal CardSep 5, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Karta Personal Card is the stronger all-round choice
Karta Personal Card finishes ahead with an Overall Score of 62 versus 56 for Coinbase One Card. Karta Personal Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Karta Personal Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance 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 0). 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 Karta Personal Card and Coinbase One Card reviews first.
Continue with
Karta Personal Card
Continue with
Coinbase One Card
05 · Common questions
Karta Personal vs Coinbase One FAQ
Is Karta Personal or Coinbase One better overall?
Karta Personal Card has the higher Overall Score (62 vs 56). 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, Karta Personal or Coinbase One?
Karta Personal Card has the lower starting plan cost ($0 vs $49.99/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal or Coinbase One?
Coinbase One 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 Karta Personal and Coinbase One differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Karta Personal vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.