KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Solayer Pay: overall score versus use-case fit
Karta Personal Card has the higher Overall Score by 6 points (61 vs 55). Karta Personal Card looks stronger for Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback and Travel.
Information checked Aug 12, 202650 official sources reviewed
01 · Overall score versus use-case fit
Karta Personal Card is the better all-round starting point
Karta Personal Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Cashback and Travel. 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 Personal61Solayer Pay55Higher score
CashbackKarta Personal14Solayer Pay20Higher score
TravelKarta Personal46Solayer Pay53Higher score
Funds controlKarta Personal92Solayer Pay47Higher score
Lowest feesKarta Personal53Solayer Pay43Higher score
TransfersKarta Personal90Solayer Pay29Higher score
Choose Karta Personal Card if funds control and lowest fees matter most
Karta Personal Card comes out ahead for 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose Solayer Pay Card if cashback and travel matter most
Solayer Pay Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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 Personal61Solayer Pay55
Karta Personal Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Karta Personal Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Karta Personal0% cashbackSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletSolayer PayCustodial balance
Karta Personal Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutSolayer Pay1 stablecoin · Not modeled
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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 CardOverall61Solayer Pay CardOverall55
Karta Personal CardOverall61Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Karta Personal Card61Solayer Pay Card55
- Cashback score
- Karta Personal Card14Solayer Pay Card20
- Travel score
- Karta Personal Card46Solayer Pay Card53
- Funds control score
- Karta Personal Card92Solayer Pay Card47
- Lowest fees score
- Karta Personal Card53Solayer Pay Card43
- Transfers score
- Karta Personal Card90Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Karta Personal Card$0Solayer Pay Card$20/year
- FX fee
- Karta Personal Card1–3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Solayer Pay Card1%
- Card spending fee
- Karta Personal Card1.5%Solayer Pay Card$0.15
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptSolayer Pay CardNot disclosed
- Virtual card
- Karta Personal Card5 USDT one-timeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Karta Personal CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisaSolayer Pay CardVisa
- Card formats
- Karta Personal CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedSolayer Pay CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedSolayer Pay CardShown in app
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicSolayer Pay CardShown in app
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Solayer Pay CardSolana
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Karta Personal CardBank depositsSolayer Pay CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutSolayer Pay CardNot disclosed
- Payout currencies
- Karta Personal CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Solayer Pay Card0%
- Max cashback
- Karta Personal Card0%Solayer Pay CardNot disclosed
- Reward currency
- Karta Personal CardNo cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Karta Personal CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Karta Personal CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Karta Personal CardNot offeredSolayer Pay CardYes
- Lock-up
- Karta Personal CardNot offeredSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Karta Personal CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalSolayer Pay CardThird National
- Custody / key management
- Karta Personal CardPrivySolayer Pay CardNot disclosed
- Identity verification
- Karta Personal CardSumsubSolayer Pay CardSumsub
- Programme operator
- Karta Personal CardKarta Finance, Inc.Solayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Karta Personal Card25Solayer Pay Card25
- Last reviewed
- Karta Personal CardAug 11, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Karta Personal Card is the stronger all-round choice
Karta Personal Card finishes ahead with an Overall Score of 61 versus 55 for Solayer Pay Card. Karta Personal Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card still comes out ahead for Cashback and Travel, 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 Solayer Pay Card uses a custodial balance 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 1). 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 Solayer Pay Card reviews first.
Continue with
Karta Personal Card
Continue with
Solayer Pay Card
05 · Common questions
Karta Personal vs Solayer Pay FAQ
Is Karta Personal or Solayer Pay better overall?
Karta Personal Card has the higher Overall Score (61 vs 55). 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 Solayer Pay?
Karta Personal Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Karta Personal vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.