KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Tria: overall score versus use-case fit
Tria Card has the higher Overall Score by 6 points (67 vs 61). Karta Personal Card looks stronger for Funds control, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Travel.
Information checked Aug 25, 202646 official sources reviewed
01 · Overall score versus use-case fit
Tria Card is the better all-round starting point
Tria 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 Personal61Tria67Higher score
CashbackKarta Personal14Tria45Higher score
TravelKarta Personal46Tria62Higher score
Funds controlKarta Personal92Tria91Higher score
Lowest feesKarta Personal53Tria51Higher score
TransfersKarta Personal90Tria63Higher 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 Tria Card if cashback and travel matter most
Tria 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.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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 Personal61Tria67
Tria Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXTria$25/year plan · 0–3% FX
Karta Personal Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Karta Personal0% cashbackTria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletTriaSelf-controlled wallet
Karta Personal Card and Tria Card use the same self-controlled wallet setup.
- Everyday access
- Karta PersonalVirtual · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutTria2 stablecoins · Stablecoin transfers
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 3).
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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 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 CardOverall61Tria CardOverall67
Karta Personal CardOverall61Tria CardOverall67Scores
6 fields- Overall Score
- Karta Personal Card61Tria Card67
- Cashback score
- Karta Personal Card14Tria Card45
- Travel score
- Karta Personal Card46Tria Card62
- Funds control score
- Karta Personal Card92Tria Card91
- Lowest fees score
- Karta Personal Card53Tria Card51
- Transfers score
- Karta Personal Card90Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Karta Personal Card$0Tria Card$25/year
- FX fee
- Karta Personal Card1–3%Tria Card0–3%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Tria Card1%
- Card spending fee
- Karta Personal Card1.5%Tria CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Karta Personal Card5 USDT one-timeTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Karta Personal CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Karta Personal CardVisaTria CardVisa
- Card formats
- Karta Personal CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableTria CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedTria CardiOS, Android, Web
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Karta Personal CardBank depositsTria CardNot disclosed
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutTria CardStablecoin transfers
- Payout currencies
- Karta Personal CardNot disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- Karta Personal Card0%Tria Card1.5%
- Max cashback
- Karta Personal Card0%Tria Card6%
- Reward currency
- Karta Personal CardNo cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredTria CardUp to 15% APY
- How it works
- Karta Personal CardNot offeredTria CardOptional earn vault
- Separate deposit
- Karta Personal CardNot offeredTria CardNot disclosed
- Use balance for spending
- Karta Personal CardNot offeredTria CardNot disclosed
- Lock-up
- Karta Personal CardNot offeredTria CardNo
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyTria CardSelf-custody
- Control until payment
- Karta Personal CardYou keep controlTria CardYou keep control
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalTria CardNimbus, LLC, Third National
- Custody / key management
- Karta Personal CardPrivyTria CardNot disclosed
- Identity verification
- Karta Personal CardSumsubTria CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Tria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Karta Personal Card25Tria Card21
- Last reviewed
- Karta Personal CardAug 11, 2026Tria CardAug 25, 2026
04 · The trade-off
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 61 for Karta Personal Card. Karta Personal Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 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 and Tria Card use the same self-controlled wallet setup.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 3). 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 Tria Card reviews first.
Continue with
Karta Personal Card
Continue with
Tria Card
05 · Common questions
Karta Personal vs Tria FAQ
Is Karta Personal or Tria better overall?
Tria Card has the higher Overall Score (67 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 Tria?
Karta Personal Card has the lower starting plan cost ($0 vs $25/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 Tria?
Tria Card has the higher published base cashback rate (1.5% 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 Tria differ on custody?
Karta Personal Card and Tria Card use the same self-controlled wallet setup.
How current is this Karta Personal vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.