KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs Decaf
Decaf Card has the higher Overall Score by 2 points (64 vs 62). Karta Personal Card looks stronger for Funds control and Transfers, while Decaf Card comes out ahead for Cashback, Travel, and Lowest fees.
Latest check Oct 19, 202646 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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
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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 CardOverall62Decaf CardOverall64
Karta Personal CardOverall62Decaf CardOverall64Scores
- Overall Score
- Karta Personal Card62Decaf Card64
- Cashback score
- Karta Personal Card15Decaf Card29
- Travel score
- Karta Personal Card47Decaf Card60
- Funds control score
- Karta Personal Card92Decaf Card63
- Lowest fees score
- Karta Personal Card55Decaf Card57
- Transfers score
- Karta Personal Card91Decaf Card70
Costs
- Plan cost
- Karta Personal Card$0Decaf Card$0
- FX fee
- Karta Personal Card1–3%Decaf Card1–2%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Karta Personal Card1.5%Decaf CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptDecaf Card0% Decaf markup
- Virtual card
- Karta Personal Card5 USDT one-timeDecaf Card$5
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderDecaf Card$90 international / $10 US
Plans
- Available plans
- Karta Personal CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Karta Personal CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Karta Personal CardVisaDecaf CardVisa
- Card formats
- Karta Personal CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Karta Personal CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedDecaf CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedDecaf CardNot disclosed
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicDecaf CardNot disclosed
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Decaf CardSolana, Stellar
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCDecaf CardStablecoins: USDC
- Fiat deposits
- Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3Decaf CardUSD, EUR and MXN account receipts
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Karta Personal CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Karta Personal Card0%Decaf CardNot disclosed
- Max cashback
- Karta Personal Card0%Decaf CardNot disclosed
- Reward currency
- Karta Personal CardNo cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Karta Personal CardNot offeredDecaf CardNot disclosed
- How it works
- Karta Personal CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Karta Personal CardNot offeredDecaf CardYes
- Use balance for spending
- Karta Personal CardNot offeredDecaf CardNot disclosed
- Lock-up
- Karta Personal CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Karta Personal CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Karta Personal CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalDecaf CardThird National, Inc.
- Card processing
- Karta Personal CardNot disclosedDecaf CardRain
- Custody / key management
- Karta Personal CardPrivyDecaf CardNot disclosed
- Deposits & withdrawals
- Karta Personal CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Karta Personal CardSumsubDecaf CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Decaf CardNot disclosed
Sources
- Official sources
- Karta Personal Card25Decaf Card21
- Last reviewed
- Karta Personal CardOct 16, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Karta Personal or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Karta Personal lists 1–3%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Karta Personal does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Using the crypto you already hold
Karta Personal's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Karta Personal vs Decaf FAQ
Is Karta Personal or Decaf better overall?
Decaf Card has the higher Overall Score (64 vs 62). 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 Decaf?
Decaf Card has the lower published FX fee (1–2% 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, Karta Personal or Decaf?
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 Karta Personal and Decaf differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Karta Personal vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.