KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs Coinbase One
Karta Personal Card has the higher Overall Score by 6 points (62 vs 56). Karta Personal Card looks stronger for Funds control, Lowest fees, and Transfers, while Coinbase One Card comes out ahead for Cashback and Travel.
Latest check Oct 16, 202648 official sources reviewed
Karta Personal Card
Best fit
- Managing a USDT-funded spending card directly through Telegram.
- Funding from supported USDT or USDC networks without a monthly plan fee.
- Using a virtual Visa in phone wallets and at supported contactless ATMs.
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.
- Physical cards remain on preorder, with no confirmed shipping date or price.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
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Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsKarta Personal CardOverall62Coinbase One CardOverall56
Karta Personal CardOverall62Coinbase One CardOverall56Scores
- 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 Card40
- Transfers score
- Karta Personal Card91Coinbase One Card24
Costs
- 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
- 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
- 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
- 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
- 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
- Advertised APY
- Karta Personal CardNot offeredCoinbase One CardNot disclosed
- 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
- 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
- Official sources
- Karta Personal Card25Coinbase One Card23
- Last reviewed
- Karta Personal CardOct 16, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Karta Personal or Coinbase One
Keeping control of your funds
Karta Personal suits spending while retaining control of your funds until payment. With Coinbase One, control passes to the provider before the purchase.
Keeping recurring costs down
Karta Personal's base plan is $0, compared with $49.99/year for Coinbase One. This favours Karta Personal for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Karta Personal lists 1–3%, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
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 October 16, 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.