KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 26 points (87 vs 61). Plasma One 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 27, 202637 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One 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 Personal61Plasma One87Higher score
CashbackKarta Personal14Plasma One78Higher score
TravelKarta Personal46Plasma One72Higher score
Funds controlKarta Personal92Plasma One99Higher score
Lowest feesKarta Personal53Plasma One80Higher score
TransfersKarta Personal90Plasma One100Higher 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 Plasma One Card if cashback and travel matter most
Plasma One 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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 Personal61Plasma One87
Plasma One Card has the higher Overall Score by 26 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXPlasma One$0 plan · 0–1% FX
Plasma One Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackPlasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletPlasma OneSelf-controlled wallet
Karta Personal Card and Plasma One Card use the same self-controlled wallet setup.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayPlasma OneVirtual + Physical · Apple Pay, Google Pay
Plasma One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Both cards list the same number of stablecoins and ways to send money out.
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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 CardOverall61Plasma One CardOverall87
Karta Personal CardOverall61Plasma One CardOverall87Scores
6 fields- Overall Score
- Karta Personal Card61Plasma One Card87
- Cashback score
- Karta Personal Card14Plasma One Card78
- Travel score
- Karta Personal Card46Plasma One Card72
- Funds control score
- Karta Personal Card92Plasma One Card99
- Lowest fees score
- Karta Personal Card53Plasma One Card80
- Transfers score
- Karta Personal Card90Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfacePlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Karta Personal Card$0Plasma One Card$0
- FX fee
- Karta Personal Card1–3%Plasma One Card0–1%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Plasma One Card0%
- Card spending fee
- Karta Personal Card1.5%Plasma One CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptPlasma One CardNot available
- Virtual card
- Karta Personal Card5 USDT one-timePlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderPlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Karta Personal CardNot disclosedPlasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Karta Personal CardVisaPlasma One CardVisa
- Card formats
- Karta Personal CardVirtualPlasma One CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailablePlasma One CardNot available
- Mobile wallets
- Karta Personal CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedPlasma One CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedPlasma One CardShown in app
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicPlasma One CardShown in app
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Karta Personal CardBank depositsPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Karta Personal CardNot disclosedPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Karta Personal Card0%Plasma One Card2%
- Max cashback
- Karta Personal Card0%Plasma One Card10%
- Reward currency
- Karta Personal CardNo cashbackPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredPlasma One CardUp to 5% APY
- How it works
- Karta Personal CardNot offeredPlasma One CardOptional earn vault
- Separate deposit
- Karta Personal CardNot offeredPlasma One CardYes
- Use balance for spending
- Karta Personal CardNot offeredPlasma One CardNo
- Lock-up
- Karta Personal CardNot offeredPlasma One CardNo
Trust & availability
8 fields- Custody
- Karta Personal CardSelf-custodyPlasma One CardSelf-custody
- Control until payment
- Karta Personal CardYou keep controlPlasma One CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalPlasma One CardRain, Third National
- Card processing
- Karta Personal CardNot disclosedPlasma One Card0x
- Custody / key management
- Karta Personal CardPrivyPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Karta Personal CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Identity verification
- Karta Personal CardSumsubPlasma One CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Plasma One CardPlasma
Sources
2 fields- Official sources
- Karta Personal Card25Plasma One Card12
- Last reviewed
- Karta Personal CardAug 11, 2026Plasma One CardAug 27, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 61 for Karta Personal Card. Plasma One Card has the lower published FX fee (0–1% vs 1–3%). Plasma One Card has the higher published base cashback rate (2% 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 and Plasma One Card use the same self-controlled wallet setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Plasma One Card reviews first.
Continue with
Karta Personal Card
Continue with
Plasma One Card
05 · Common questions
Karta Personal vs Plasma One FAQ
Is Karta Personal or Plasma One better overall?
Plasma One 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 Plasma One?
Plasma One Card has the lower published FX fee (0–1% 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Karta Personal Card and Plasma One Card use the same self-controlled wallet setup.
How current is this Karta Personal vs Plasma One comparison?
The latest information check for these two cards was August 27, 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.