KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs 1inch: overall score versus use-case fit
1inch Card has the higher Overall Score by 18 points (79 vs 61). Karta Personal Card looks stronger for Funds control, while 1inch Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 31, 202638 official sources reviewed
01 · Overall score versus use-case fit
1inch Card is the better all-round starting point
1inch 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 Personal611inch79Higher score
CashbackKarta Personal141inch63Higher score
TravelKarta Personal461inch82Higher score
Funds controlKarta Personal921inch80Higher score
Lowest feesKarta Personal531inch74Higher score
TransfersKarta Personal901inch93Higher 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 1inch Card if cashback and travel matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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 Personal611inch79
1inch Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies FX
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 1–3%).
- Purchase rewards
- Karta Personal0% cashback1inch1% base · up to 2%
1inch Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Karta PersonalSelf-controlled wallet1inchHybrid custody
Karta Personal Card uses a self-controlled wallet setup, while 1inch 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 Pay1inchVirtual + Physical · Apple Pay, Google Pay
1inch Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 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 CardOverall611inch CardOverall79
Karta Personal CardOverall611inch CardOverall79Scores
6 fields- Overall Score
- Karta Personal Card611inch Card79
- Cashback score
- Karta Personal Card141inch Card63
- Travel score
- Karta Personal Card461inch Card82
- Funds control score
- Karta Personal Card921inch Card80
- Lowest fees score
- Karta Personal Card531inch Card74
- Transfers score
- Karta Personal Card901inch Card93
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- Karta Personal Card$01inch Card$0
- FX fee
- Karta Personal Card1–3%1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-201inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- Karta Personal Card1.5%1inch Card2%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- Karta Personal Card5 USDT one-time1inch CardNot disclosed
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorder1inch CardNot disclosed
Plans
2 fields- Available plans
- Karta Personal CardNot disclosed1inch CardNot disclosed
- Top cashback plan
- Karta Personal CardNot disclosed1inch CardNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisa1inch CardMastercard
- Card formats
- Karta Personal CardVirtual1inch CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailable1inch CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google Pay1inch CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listed1inch CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount published1inch CardAccount-specific in Profile
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamic1inch CardAccount-specific in Profile
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +171inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDC1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- Karta Personal CardBank deposits1inch CardEUR or GBP bank deposit
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- Karta Personal CardNot disclosed1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- Karta Personal Card0%1inch Card1%
- Max cashback
- Karta Personal Card0%1inch Card2%
- Reward currency
- Karta Personal CardNo cashback1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- Karta Personal CardNot offered1inch CardNot offered
- How it works
- Karta Personal CardNot offered1inch CardNot offered
- Separate deposit
- Karta Personal CardNot offered1inch CardNot offered
- Use balance for spending
- Karta Personal CardNot offered1inch CardNot offered
- Lock-up
- Karta Personal CardNot offered1inch CardNot offered
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custody1inch CardHybrid custody
- Control until payment
- Karta Personal CardYou keep control1inch CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third National1inch CardMonavate Ltd, UAB Monavate
- Card processing
- Karta Personal CardNot disclosed1inch CardCrypto Life
- Custody / key management
- Karta Personal CardPrivy1inch CardBaanx
- Identity verification
- Karta Personal CardSumsub1inch CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.1inch CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card251inch Card13
- Last reviewed
- Karta Personal CardAug 11, 20261inch CardAug 31, 2026
04 · The trade-off
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 61 for Karta Personal Card. 1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 1–3%). 1inch Card has the higher published base cashback rate (1% vs 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 uses a self-controlled wallet setup, while 1inch 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 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 1inch Card reviews first.
Continue with
Karta Personal Card
Continue with
1inch Card
05 · Common questions
Karta Personal vs 1inch FAQ
Is Karta Personal or 1inch better overall?
1inch Card has the higher Overall Score (79 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 1inch?
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard 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 1inch?
1inch Card has the higher published base cashback rate (1% 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 1inch differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while 1inch 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 1inch comparison?
The latest information check for these two cards was August 31, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.