KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 23 points (85 vs 62). Karta Personal Card looks stronger for Transfers, while Solid Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Oct 11, 202645 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Transfers. 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 Personal62Solid85Higher score
CashbackKarta Personal15Solid89Higher score
TravelKarta Personal47Solid58Higher score
Funds controlKarta Personal92Solid94Higher score
Lowest feesKarta Personal55Solid81Higher score
TransfersKarta Personal91Solid78Higher score
Choose Karta Personal Card if transfers matters most
Karta Personal Card comes out ahead for 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 Solid Card if cashback and travel matter most
Solid Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Savings can stay productive while spending
- Higher rates in selected categories
- Eligible ACH/wire receive details
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 Personal62Solid85
Solid Card has the higher Overall Score by 23 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXSolid$0 plan · 0–2% FX
Solid Card has the lower published FX fee (0–2% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackSolid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletSolidSelf-controlled wallet
Karta Personal Card and Solid Card use the same self-controlled wallet setup.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PaySolidVirtual · 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 payoutSolid4 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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 · 7 fiat
- Payout methods
- 5 crypto · 0 fiat
- Cashback
- 3%-5%
- Plan cost
- $0
- FX fee
- 0–2%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 17 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Karta Personal Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link, verify identity and activate the Solid Card.
- Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
- After qualification, make one more eligible purchase of at least $10 before payout.
Solid Card promo code15QRE
The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall62Solid CardOverall85
Karta Personal CardOverall62Solid CardOverall85Scores
6 fields- Overall Score
- Karta Personal Card62Solid Card85
- Cashback score
- Karta Personal Card15Solid Card89
- Travel score
- Karta Personal Card47Solid Card58
- Funds control score
- Karta Personal Card92Solid Card94
- Lowest fees score
- Karta Personal Card55Solid Card81
- Transfers score
- Karta Personal Card91Solid Card78
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceSolid CardHigher tiers require payment or locked FUSE, ATM availability is still being checked
Costs
7 fields- Plan cost
- Karta Personal Card$0Solid Card$0
- FX fee
- Karta Personal Card1–3%Solid Card0–2%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Solid Card0%
- Card spending fee
- Karta Personal Card1.5%Solid Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptSolid CardNot available
- Virtual card
- Karta Personal Card5 USDT one-timeSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Karta Personal CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- Karta Personal CardVisaSolid CardVisa
- Card formats
- Karta Personal CardVirtualSolid CardVirtual
- ATM withdrawals
- Karta Personal CardAvailableSolid CardNot available
- Mobile wallets
- Karta Personal CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedSolid CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedSolid CardShown in app
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicSolid CardShown in app
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCSolid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3Solid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutSolid CardStablecoin transfers
- Payout currencies
- Karta Personal CardNot disclosedSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Solid Card3%
- Max cashback
- Karta Personal Card0%Solid Card5%
- Reward currency
- Karta Personal CardNo cashbackSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredSolid CardUp to 14% APY
- How it works
- Karta Personal CardNot offeredSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Karta Personal CardNot offeredSolid CardYes
- Use balance for spending
- Karta Personal CardNot offeredSolid CardNo
- Lock-up
- Karta Personal CardNot offeredSolid CardNot disclosed
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodySolid CardSelf-custody
- Control until payment
- Karta Personal CardYou keep controlSolid CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalSolid CardRain, Third National, Wirex
- Card processing
- Karta Personal CardNot disclosedSolid CardFuse Network Ltd
- Custody / key management
- Karta Personal CardPrivySolid CardNot disclosed
- Identity verification
- Karta Personal CardSumsubSolid CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Solid CardFuse Network Ltd
Sources
2 fields- Official sources
- Karta Personal Card25Solid Card20
- Last reviewed
- Karta Personal CardSep 5, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 62 for Karta Personal Card. Solid Card has the lower published FX fee (0–2% vs 1–3%). Solid Card has the higher published base cashback rate (3% vs 0%).
Karta Personal Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Karta Personal Card and Solid 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 Solid Card reviews first.
Continue with
Karta Personal Card
Continue with
Solid Card
05 · Common questions
Karta Personal vs Solid FAQ
Is Karta Personal or Solid better overall?
Solid Card has the higher Overall Score (85 vs 62). 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 Solid?
Solid Card has the lower published FX fee (0–2% 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 Solid?
Solid Card has the higher published base cashback rate (3% 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 Solid differ on custody?
Karta Personal Card and Solid Card use the same self-controlled wallet setup.
How current is this Karta Personal vs Solid comparison?
The latest information check for these two cards was October 11, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.