KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Fuse: overall score versus use-case fit
Fuse Card has the higher Overall Score by 13 points (74 vs 61). Karta Personal Card looks stronger for Funds control, while Fuse Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 12, 202640 official sources reviewed
01 · Overall score versus use-case fit
Fuse Card is the better all-round starting point
Fuse 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 Personal61Fuse74Higher score
CashbackKarta Personal14Fuse25Higher score
TravelKarta Personal46Fuse65Higher score
Funds controlKarta Personal92Fuse91Higher score
Lowest feesKarta Personal53Fuse93Higher score
TransfersKarta Personal90Fuse97Higher 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 Fuse Card if cashback and travel matter most
Fuse 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
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 Personal61Fuse74
Fuse Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXFuse$0 plan · 0% FX
Fuse Card has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackFuse0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletFuseSelf-controlled wallet
Karta Personal Card and Fuse Card use the same self-controlled wallet setup.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayFuseVirtual · 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 payoutFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 3).
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
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 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 CardOverall61Fuse CardOverall74
Karta Personal CardOverall61Fuse CardOverall74Scores
6 fields- Overall Score
- Karta Personal Card61Fuse Card74
- Cashback score
- Karta Personal Card14Fuse Card25
- Travel score
- Karta Personal Card46Fuse Card65
- Funds control score
- Karta Personal Card92Fuse Card91
- Lowest fees score
- Karta Personal Card53Fuse Card93
- Transfers score
- Karta Personal Card90Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- Karta Personal Card$0Fuse Card$0
- FX fee
- Karta Personal Card1–3%Fuse Card0%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Fuse Card0%
- Card spending fee
- Karta Personal Card1.5%Fuse Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptFuse CardNot available
- Virtual card
- Karta Personal Card5 USDT one-timeFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderFuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedFuse Card1 plans: Fuse Plus
- Top cashback plan
- Karta Personal CardNot disclosedFuse CardNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisaFuse CardVisa
- Card formats
- Karta Personal CardVirtualFuse CardVirtual
- ATM withdrawals
- Karta Personal CardAvailableFuse CardNot available
- Mobile wallets
- Karta Personal CardApple Pay, Google PayFuse CardApple Pay
- Apps
- Karta Personal CardNo app listedFuse CardiOS
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hFuse CardNot available
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Fuse CardSolana
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Karta Personal CardBank depositsFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- Karta Personal CardNot disclosedFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%Fuse Card0%
- Max cashback
- Karta Personal Card0%Fuse Card0%
- Reward currency
- Karta Personal CardNo cashbackFuse CardNo cashback
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredFuse CardNot disclosed
- How it works
- Karta Personal CardNot offeredFuse CardOptional earn vault
- Separate deposit
- Karta Personal CardNot offeredFuse CardYes
- Use balance for spending
- Karta Personal CardNot offeredFuse CardNo
- Lock-up
- Karta Personal CardNot offeredFuse CardNot disclosed
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodyFuse CardSelf-custody
- Control until payment
- Karta Personal CardYou keep controlFuse CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalFuse CardLead Bank
- Card processing
- Karta Personal CardNot disclosedFuse CardBridge Ventures LLC, Squads Labs
- Custody / key management
- Karta Personal CardPrivyFuse CardNot disclosed
- Identity verification
- Karta Personal CardSumsubFuse CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Fuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- Karta Personal Card25Fuse Card15
- Last reviewed
- Karta Personal CardAug 11, 2026Fuse CardAug 12, 2026
04 · The trade-off
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 versus 61 for Karta Personal Card. Fuse Card has the lower published FX fee (0% 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 Fuse Card use the same self-controlled wallet setup.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 3). 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 Fuse Card reviews first.
Continue with
Karta Personal Card
Continue with
Fuse Card
05 · Common questions
Karta Personal vs Fuse FAQ
Is Karta Personal or Fuse better overall?
Fuse Card has the higher Overall Score (74 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 Fuse?
Fuse Card has the lower published FX fee (0% 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 Fuse?
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 Fuse differ on custody?
Karta Personal Card and Fuse Card use the same self-controlled wallet setup.
How current is this Karta Personal vs Fuse comparison?
The latest information check for these two cards was August 12, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.