KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs Spritz: same score, different trade-offs
Karta Personal Card and Spritz Card share an Overall Score of 62. Karta Personal Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback.
Information checked Sep 5, 202666 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Karta Personal Card and Spritz Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallKarta Personal62Spritz62Same score
CashbackKarta Personal15Spritz34Higher score
TravelKarta Personal47Spritz46Higher score
Funds controlKarta Personal92Spritz62Higher score
Lowest feesKarta Personal55Spritz44Higher score
TransfersKarta Personal91Spritz64Higher score
Choose Karta Personal Card if travel and funds control matter most
Karta Personal Card comes out ahead for 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.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose Spritz Card if cashback matters most
Spritz Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Karta Personal62Spritz62
Both cards have the same displayed Overall Score of 62.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Karta Personal0% cashbackSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletSpritzHybrid custody
Karta Personal Card uses a self-controlled wallet setup, while Spritz 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 PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 1).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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03 · Compare the details
Put 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 CardOverall62Spritz CardOverall62
Karta Personal CardOverall62Spritz CardOverall62Scores
6 fields- Overall Score
- Karta Personal Card62Spritz Card62
- Cashback score
- Karta Personal Card15Spritz Card34
- Travel score
- Karta Personal Card47Spritz Card46
- Funds control score
- Karta Personal Card92Spritz Card62
- Lowest fees score
- Karta Personal Card55Spritz Card44
- Transfers score
- Karta Personal Card91Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Karta Personal Card$0Spritz Card$0
- FX fee
- Karta Personal Card1–3%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Spritz Card1–3%
- Card spending fee
- Karta Personal Card1.5%Spritz Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptSpritz CardNot disclosed
- Virtual card
- Karta Personal Card5 USDT one-timeSpritz CardNot disclosed
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderSpritz CardNot disclosed
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Karta Personal CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Karta Personal CardVisaSpritz CardVisa
- Card formats
- Karta Personal CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Karta Personal CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedSpritz CardiOS
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicSpritz CardNot disclosed
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3Spritz CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Karta Personal CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%Spritz Card0%
- Max cashback
- Karta Personal Card0%Spritz Card5%
- Reward currency
- Karta Personal CardNo cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredSpritz CardNot offered
- How it works
- Karta Personal CardNot offeredSpritz CardNot offered
- Separate deposit
- Karta Personal CardNot offeredSpritz CardNot offered
- Use balance for spending
- Karta Personal CardNot offeredSpritz CardNot offered
- Lock-up
- Karta Personal CardNot offeredSpritz CardNot offered
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodySpritz CardHybrid custody
- Control until payment
- Karta Personal CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalSpritz CardNot disclosed
- Card processing
- Karta Personal CardNot disclosedSpritz CardRain
- Custody / key management
- Karta Personal CardPrivySpritz CardNot disclosed
- Identity verification
- Karta Personal CardSumsubSpritz CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Spritz CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Spritz Card41
- Last reviewed
- Karta Personal CardSep 5, 2026Spritz CardAug 28, 2026
04 · The closer call
Karta Personal Card and Spritz Card need a closer personal call
The Overall Score ends level at 62, so there is no honest all-round winner here. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Karta Personal Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback. Karta Personal Card uses a self-controlled wallet setup, while Spritz 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 1). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Spritz Card reviews first.
Continue with
Karta Personal Card
Continue with
Spritz Card
05 · Common questions
Karta Personal vs Spritz FAQ
Is Karta Personal or Spritz better overall?
Karta Personal Card and Spritz Card tie at 62 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Karta Personal or Spritz?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Spritz?
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 Spritz differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Spritz 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 Spritz comparison?
The latest information check for these two cards was September 5, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.