KartaKarta Personal
62
Side-by-side card comparison
Karta Personal vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 8 points (70 vs 62). Karta Personal Card looks stronger for Funds control and Transfers, while Uphold Card US comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Oct 16, 202638 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control 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 Personal62Uphold US70Higher score
CashbackKarta Personal15Uphold US75Higher score
TravelKarta Personal47Uphold US71Higher score
Funds controlKarta Personal92Uphold US44Higher score
Lowest feesKarta Personal55Uphold US56Higher score
TransfersKarta Personal91Uphold US65Higher score
Choose Karta Personal Card if funds control and transfers matter most
Karta Personal Card comes out ahead for Funds control 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 Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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 Personal62Uphold US70
Uphold Card US has the higher Overall Score by 8 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletUphold USCustodial balance
Karta Personal Card uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutUphold US0 stablecoins · US bank withdrawal
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall62Uphold Card USOverall70
Karta Personal CardOverall62Uphold Card USOverall70Scores
6 fields- Overall Score
- Karta Personal Card62Uphold Card US70
- Cashback score
- Karta Personal Card15Uphold Card US75
- Travel score
- Karta Personal Card47Uphold Card US71
- Funds control score
- Karta Personal Card92Uphold Card US44
- Lowest fees score
- Karta Personal Card55Uphold Card US56
- Transfers score
- Karta Personal Card91Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Karta Personal Card$0Uphold Card US$0
- FX fee
- Karta Personal Card1–3%Uphold Card US0–1.5%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Karta Personal Card1.5%Uphold Card USNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Karta Personal Card5 USDT one-timeUphold Card USFree on both plans
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Karta Personal CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Karta Personal CardVisaUphold Card USVisa
- Card formats
- Karta Personal CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableUphold Card USAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Karta Personal CardNo app listedUphold Card USiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Uphold Card USNot disclosed
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCUphold Card USNot disclosed
- Fiat deposits
- Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3Uphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutUphold Card USUS bank withdrawal
- Payout currencies
- Karta Personal CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Karta Personal Card0%Uphold Card US2%
- Max cashback
- Karta Personal Card0%Uphold Card US4%
- Reward currency
- Karta Personal CardNo cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredUphold Card USNot offered
- How it works
- Karta Personal CardNot offeredUphold Card USNot offered
- Separate deposit
- Karta Personal CardNot offeredUphold Card USNot offered
- Use balance for spending
- Karta Personal CardNot offeredUphold Card USNot offered
- Lock-up
- Karta Personal CardNot offeredUphold Card USNot offered
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyUphold Card USCustodial
- Control until payment
- Karta Personal CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalUphold Card USCross River Bank
- Custody / key management
- Karta Personal CardPrivyUphold Card USUphold HQ Inc.
- Identity verification
- Karta Personal CardSumsubUphold Card USNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Uphold Card USNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Uphold Card US13
- Last reviewed
- Karta Personal CardOct 16, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 62 for Karta Personal Card. Uphold Card US has the lower published FX fee (0–1.5% vs 1–3%). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Karta Personal Card still comes out ahead for Funds control 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 Uphold Card US 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 2). 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 Uphold Card US reviews first.
Continue with
Karta Personal Card
Continue with
Uphold Card US
05 · Common questions
Karta Personal vs Uphold US FAQ
Is Karta Personal or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 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 Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 16, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.