KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 26 points (87 vs 61). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Karta Personal Card may still be the better personal fit.
Information checked Aug 25, 202644 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Karta Personal 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 Personal61ether.fi Cash87Higher score
CashbackKarta Personal14ether.fi Cash86Higher score
TravelKarta Personal46ether.fi Cash84Higher score
Funds controlKarta Personal92ether.fi Cash96Higher score
Lowest feesKarta Personal53ether.fi Cash69Higher score
TransfersKarta Personal90ether.fi Cash97Higher score
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. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Karta Personal61ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 26 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletether.fi CashNon-custodial account
Karta Personal Card uses a self-controlled wallet setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 6).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsKarta Personal CardOverall61ether.fi Cash CardOverall87
Karta Personal CardOverall61ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Karta Personal Card61ether.fi Cash Card87
- Cashback score
- Karta Personal Card14ether.fi Cash Card86
- Travel score
- Karta Personal Card46ether.fi Cash Card84
- Funds control score
- Karta Personal Card92ether.fi Cash Card96
- Lowest fees score
- Karta Personal Card53ether.fi Cash Card69
- Transfers score
- Karta Personal Card90ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Karta Personal Card$0ether.fi Cash Card$0
- FX fee
- Karta Personal Card1–3%ether.fi Cash Card0–0.2%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20ether.fi Cash CardNot disclosed
- Card spending fee
- Karta Personal Card1.5%ether.fi Cash CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptether.fi Cash Card2%
- Virtual card
- Karta Personal Card5 USDT one-timeether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Karta Personal CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Karta Personal CardVisaether.fi Cash CardVisa
- Card formats
- Karta Personal CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17ether.fi Cash CardOptimism
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Karta Personal CardBank depositsether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Karta Personal CardNot disclosedether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Karta Personal Card0%ether.fi Cash Card3%
- Max cashback
- Karta Personal Card0%ether.fi Cash Card3%
- Reward currency
- Karta Personal CardNo cashbackether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredether.fi Cash CardUp to 5.02% APY
- How it works
- Karta Personal CardNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Karta Personal CardNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- Karta Personal CardNot offeredether.fi Cash CardNot disclosed
- Lock-up
- Karta Personal CardNot offeredether.fi Cash CardNot disclosed
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodyether.fi Cash CardNon-custodial
- Control until payment
- Karta Personal CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third Nationalether.fi Cash CardThird National
- Custody / key management
- Karta Personal CardPrivyether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Karta Personal CardNot disclosedether.fi Cash CardSEPA third-party provider
- Identity verification
- Karta Personal CardSumsubether.fi Cash CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.ether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Karta Personal Card25ether.fi Cash Card19
- Last reviewed
- Karta Personal CardAug 11, 2026ether.fi Cash CardAug 25, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 61 for Karta Personal Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1–3%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Karta Personal 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 ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 6). 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 ether.fi Cash Card reviews first.
Continue with
Karta Personal Card
Continue with
ether.fi Cash Card
05 · Common questions
Karta Personal vs ether.fi Cash FAQ
Is Karta Personal or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 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 ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.