KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 25 points (86 vs 61). Karta Personal Card looks stronger for Funds control and Transfers, while Ethena Pay Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Sep 1, 202637 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay 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.
OverallKarta Personal61Ethena Pay86Higher score
CashbackKarta Personal14Ethena Pay89Higher score
TravelKarta Personal46Ethena Pay64Higher score
Funds controlKarta Personal92Ethena Pay86Higher score
Lowest feesKarta Personal53Ethena Pay87Higher score
TransfersKarta Personal90Ethena Pay82Higher score
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
Choose Ethena Pay Card if cashback and travel matter most
Ethena Pay 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.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
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
- Karta Personal61Ethena Pay86
Ethena Pay Card has the higher Overall Score by 25 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackEthena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletEthena PayHybrid custody
Karta Personal Card uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Karta Personal Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 4).
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
- 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
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 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
CardsKarta Personal CardOverall61Ethena Pay CardOverall86
Karta Personal CardOverall61Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Karta Personal Card61Ethena Pay Card86
- Cashback score
- Karta Personal Card14Ethena Pay Card89
- Travel score
- Karta Personal Card46Ethena Pay Card64
- Funds control score
- Karta Personal Card92Ethena Pay Card86
- Lowest fees score
- Karta Personal Card53Ethena Pay Card87
- Transfers score
- Karta Personal Card90Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Karta Personal Card$0Ethena Pay Card$0
- FX fee
- Karta Personal Card1–3%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Karta Personal Card1.5%Ethena Pay Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptEthena Pay CardNot available
- Virtual card
- Karta Personal Card5 USDT one-timeEthena Pay CardUSD 0
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Karta Personal CardNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Karta Personal CardVisaEthena Pay CardVisa
- Card formats
- Karta Personal CardVirtualEthena Pay CardVirtual
- ATM withdrawals
- Karta Personal CardAvailableEthena Pay CardNot available
- Mobile wallets
- Karta Personal CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Karta Personal CardNo app listedEthena Pay CardiOS, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Ethena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCEthena Pay CardNot disclosed
- Fiat deposits
- Karta Personal CardBank depositsEthena Pay CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Karta Personal CardNot disclosedEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Ethena Pay Card4%
- Max cashback
- Karta Personal Card0%Ethena Pay Card5%
- Reward currency
- Karta Personal CardNo cashbackEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredEthena Pay CardUp to 6% APY
- How it works
- Karta Personal CardNot offeredEthena Pay CardEarn on spending balance
- Separate deposit
- Karta Personal CardNot offeredEthena Pay CardNo
- Use balance for spending
- Karta Personal CardNot offeredEthena Pay CardYes
- Lock-up
- Karta Personal CardNot offeredEthena Pay CardNo
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodyEthena Pay CardHybrid custody
- Control until payment
- Karta Personal CardYou keep controlEthena Pay CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalEthena Pay CardThird National
- Card processing
- Karta Personal CardNot disclosedEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Custody / key management
- Karta Personal CardPrivyEthena Pay CardNot disclosed
- Identity verification
- Karta Personal CardSumsubEthena Pay CardSumsub
- Programme operator
- Karta Personal CardKarta Finance, Inc.Ethena Pay CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Ethena Pay Card12
- Last reviewed
- Karta Personal CardAug 11, 2026Ethena Pay CardSep 1, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 61 for Karta Personal Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1–3%). Ethena Pay Card has the higher published base cashback rate (4% 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. Karta Personal Card uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody 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 4). 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 Ethena Pay Card reviews first.
Continue with
Karta Personal Card
Continue with
Ethena Pay Card
05 · Common questions
Karta Personal vs Ethena Pay FAQ
Is Karta Personal or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 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, Karta Personal or Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies 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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% 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 Ethena Pay differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Karta Personal vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.