KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Spritz: overall score versus use-case fit
Spritz Card has the higher Overall Score by 1 point (62 vs 61). Karta Personal Card looks stronger for Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback.
Information checked Aug 28, 202666 official sources reviewed
01 · Overall score versus use-case fit
Spritz Card is the better all-round starting point
Spritz Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control, Lowest fees, and 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 Personal61Spritz62Higher score
CashbackKarta Personal14Spritz34Higher score
TravelKarta Personal46Spritz46Same score
Funds controlKarta Personal92Spritz62Higher score
Lowest feesKarta Personal53Spritz44Higher score
TransfersKarta Personal90Spritz64Higher 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 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 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 Personal61Spritz62
Spritz Card has the higher Overall Score by 1 points.
- 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 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%-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
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 CardOverall61Spritz CardOverall62
Karta Personal CardOverall61Spritz CardOverall62Scores
6 fields- Overall Score
- Karta Personal Card61Spritz Card62
- Cashback score
- Karta Personal Card14Spritz Card34
- Travel score
- Karta Personal Card46Spritz Card46
- Funds control score
- Karta Personal Card92Spritz Card62
- Lowest fees score
- Karta Personal Card53Spritz Card44
- Transfers score
- Karta Personal Card90Spritz 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 CardBank depositsSpritz 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 CardAug 11, 2026Spritz CardAug 28, 2026
04 · The trade-off
Spritz Card is the stronger all-round choice
Spritz Card finishes ahead with an Overall Score of 62 versus 61 for Karta Personal Card. 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 still comes out ahead for Funds control, Lowest fees, and Transfers, 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 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). 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 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?
Spritz Card has the higher Overall Score (62 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 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 August 28, 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.