KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 9 points (70 vs 61). Karta Personal Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202646 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control. 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 Personal61Xapo70Higher score
CashbackKarta Personal14Xapo24Higher score
TravelKarta Personal46Xapo91Higher score
Funds controlKarta Personal92Xapo63Higher score
Lowest feesKarta Personal53Xapo77Higher score
TransfersKarta Personal90Xapo100Higher score
Choose Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control 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 Xapo Card if cashback and travel matter most
Xapo Card comes out ahead for Cashback, Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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 Personal61Xapo70
Xapo Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXXapo$1,000/year plan · 0–0.29% FX
Karta Personal Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Karta Personal0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- Karta PersonalSelf-controlled walletXapoCustodial balance
Karta Personal Card uses a self-controlled wallet setup, while Xapo Card 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 PayXapoVirtual + Physical · Unknown
Karta Personal Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 6).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall61Xapo CardOverall70
Karta Personal CardOverall61Xapo CardOverall70Scores
6 fields- Overall Score
- Karta Personal Card61Xapo Card70
- Cashback score
- Karta Personal Card14Xapo Card24
- Travel score
- Karta Personal Card46Xapo Card91
- Funds control score
- Karta Personal Card92Xapo Card63
- Lowest fees score
- Karta Personal Card53Xapo Card77
- Transfers score
- Karta Personal Card90Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Karta Personal Card$0Xapo Card$1,000/year
- FX fee
- Karta Personal Card1–3%Xapo Card0–0.29%
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Karta Personal Card1.5%Xapo Card0%
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptXapo Card0–2%
- Virtual card
- Karta Personal Card5 USDT one-timeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Karta Personal CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Karta Personal CardVisaXapo CardVisa/Mastercard
- Card formats
- Karta Personal CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableXapo CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Karta Personal CardNo app listedXapo CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Karta Personal CardBank depositsXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Karta Personal CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Karta Personal Card0%Xapo Card0%
- Max cashback
- Karta Personal Card0%Xapo Card3%
- Reward currency
- Karta Personal CardNo cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Karta Personal CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Karta Personal CardNot offeredXapo CardNo
- Use balance for spending
- Karta Personal CardNot offeredXapo CardYes
- Lock-up
- Karta Personal CardNot offeredXapo CardNo
Trust & availability
7 fields- Custody
- Karta Personal CardSelf-custodyXapo CardCustodial
- Control until payment
- Karta Personal CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalXapo CardTransact Payments Malta Limited
- Custody / key management
- Karta Personal CardPrivyXapo CardNot disclosed
- Bank transfers
- Karta Personal CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Karta Personal CardSumsubXapo CardNot disclosed
- Programme operator
- Karta Personal CardKarta Finance, Inc.Xapo CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Xapo Card21
- Last reviewed
- Karta Personal CardAug 11, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 61 for Karta Personal Card. Karta Personal Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Karta Personal Card still comes out ahead for Funds control, 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 6). 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 Xapo Card reviews first.
Continue with
Karta Personal Card
Continue with
Xapo Card
05 · Common questions
Karta Personal vs Xapo FAQ
Is Karta Personal or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Karta Personal Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Karta Personal Card uses a self-controlled wallet setup, while Xapo Card 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 Xapo comparison?
The latest information check for these two cards was September 1, 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.