KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Exa: overall score versus use-case fit
Exa Card has the higher Overall Score by 5 points (66 vs 61). Karta Personal Card looks stronger for Funds control, while Exa Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202656 official sources reviewed
01 · Overall score versus use-case fit
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control. 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 Personal61Exa66Higher score
CashbackKarta Personal14Exa19Higher score
TravelKarta Personal46Exa61Higher score
Funds controlKarta Personal92Exa88Higher score
Lowest feesKarta Personal53Exa67Higher score
TransfersKarta Personal90Exa97Higher score
Choose Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control 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 Exa Card if cashback and travel matter most
Exa Card comes out ahead for Cashback, Travel, 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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 Personal61Exa66
Exa Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackExa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletExaSelf-controlled wallet
Karta Personal Card and Exa Card use the same self-controlled wallet setup.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5).
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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall61Exa CardOverall66
Karta Personal CardOverall61Exa CardOverall66Scores
6 fields- Overall Score
- Karta Personal Card61Exa Card66
- Cashback score
- Karta Personal Card14Exa Card19
- Travel score
- Karta Personal Card46Exa Card61
- Funds control score
- Karta Personal Card92Exa Card88
- Lowest fees score
- Karta Personal Card53Exa Card67
- Transfers score
- Karta Personal Card90Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Karta Personal Card$0Exa Card$0
- FX fee
- Karta Personal Card1–3%Exa Card1.5%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Exa Card1%
- Card spending fee
- Karta Personal Card1.5%Exa CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptExa Card$1 + 0.65%
- Virtual card
- Karta Personal Card5 USDT one-timeExa CardFree with Exa Wallet
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderExa CardNot available
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Karta Personal CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisaExa CardVisa
- Card formats
- Karta Personal CardVirtualExa CardVirtual
- ATM withdrawals
- Karta Personal CardAvailableExa CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedExa CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Exa CardOptimism
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Karta Personal CardBank depositsExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Karta Personal CardNot disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%Exa Card0%
- Max cashback
- Karta Personal Card0%Exa Card0%
- Reward currency
- Karta Personal CardNo cashbackExa CardNo cashback
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredExa CardUp to 0.99776% APY
- How it works
- Karta Personal CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Karta Personal CardNot offeredExa CardNo
- Use balance for spending
- Karta Personal CardNot offeredExa CardYes
- Lock-up
- Karta Personal CardNot offeredExa CardNo
Trust & availability
8 fields- Custody
- Karta Personal CardSelf-custodyExa CardSelf-custody
- Control until payment
- Karta Personal CardYou keep controlExa CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalExa CardThird National Bank, Third National
- Card processing
- Karta Personal CardNot disclosedExa CardExa Labs SAS
- Custody / key management
- Karta Personal CardPrivyExa CardNot disclosed
- Deposits & withdrawals
- Karta Personal CardNot disclosedExa CardBridge, Manteca
- Identity verification
- Karta Personal CardSumsubExa CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Exa CardExa Labs SAS
Sources
2 fields- Official sources
- Karta Personal Card25Exa Card31
- Last reviewed
- Karta Personal CardAug 11, 2026Exa CardAug 23, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 61 for Karta Personal Card. Exa Card has the lower published FX fee (1.5% vs 1–3%). Both cards show the same base cashback rate of 0%.
Karta Personal Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Karta Personal Card and Exa Card use the same self-controlled wallet setup.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5). 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 Exa Card reviews first.
Continue with
Karta Personal Card
Continue with
Exa Card
05 · Common questions
Karta Personal vs Exa FAQ
Is Karta Personal or Exa better overall?
Exa Card has the higher Overall Score (66 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 Exa?
Exa Card has the lower published FX fee (1.5% 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 Exa?
Both cards show the same base cashback rate of 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 Exa differ on custody?
Karta Personal Card and Exa Card use the same self-controlled wallet setup.
How current is this Karta Personal vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.