KASTKAST
84
Side-by-side card comparison
KAST vs Karta Personal: overall score versus use-case fit
KAST Card has the higher Overall Score by 23 points (84 vs 61). KAST Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Karta Personal Card comes out ahead for Funds control.
Information checked Aug 28, 202645 official sources reviewed
01 · Overall score versus use-case fit
KAST Card is the better all-round starting point
KAST 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.
OverallKAST84Karta Personal61Higher score
CashbackKAST75Karta Personal14Higher score
TravelKAST92Karta Personal46Higher score
Funds controlKAST71Karta Personal92Higher score
Lowest feesKAST81Karta Personal53Higher score
TransfersKAST100Karta Personal90Higher score
Choose KAST Card if cashback and travel matter most
KAST 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.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
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
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
- KAST84Karta Personal61
KAST Card has the higher Overall Score by 23 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXKarta Personal$0 plan · 1–3% FX
KAST Card has the lower published FX fee (0.5–1.75% vs 1–3%).
- Purchase rewards
- KAST1.5% base · up to 3%Karta Personal0% cashback
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balanceKarta PersonalSelf-controlled wallet
KAST Card uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
KAST Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
KAST Card lists more stablecoins and ways to send money out (12 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
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 fiat
- 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
Karta Personal Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsKAST CardOverall84Karta Personal CardOverall61
KAST CardOverall84Karta Personal CardOverall61Scores
6 fields- Overall Score
- KAST Card84Karta Personal Card61
- Cashback score
- KAST Card75Karta Personal Card14
- Travel score
- KAST Card92Karta Personal Card46
- Funds control score
- KAST Card71Karta Personal Card92
- Lowest fees score
- KAST Card81Karta Personal Card53
- Transfers score
- KAST Card100Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- KAST Card$0Karta Personal Card$0
- FX fee
- KAST Card0.5–1.75%Karta Personal Card1–3%
- Top-up fee
- KAST Card0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- KAST Card0%Karta Personal Card1.5%
- ATM fee
- KAST Card$3 + 2%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- KAST CardFree first twoKarta Personal Card5 USDT one-time
- Physical card
- KAST CardFree; $40 shippingKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateKarta Personal CardNot disclosed
- Top cashback plan
- KAST CardPrivate: 3%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- KAST CardVisaKarta Personal CardVisa
- Card formats
- KAST CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- KAST CardAvailableKarta Personal CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- KAST CardNo capKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- KAST CardNo capKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- KAST CardLimits shown in appKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Karta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Karta Personal CardBank deposits
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Karta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- KAST Card1.5%Karta Personal Card0%
- Max cashback
- KAST Card3%Karta Personal Card0%
- Reward currency
- KAST CardUSD cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYKarta Personal CardNot offered
- How it works
- KAST CardOptional earn vaultKarta Personal CardNot offered
- Separate deposit
- KAST CardYesKarta Personal CardNot offered
- Use balance for spending
- KAST CardNoKarta Personal CardNot offered
- Lock-up
- KAST CardNoKarta Personal CardNot offered
Trust & availability
7 fields- Custody
- KAST CardCustodialKarta Personal CardSelf-custody
- Control until payment
- KAST CardProvider controls fundsKarta Personal CardYou keep control
- Card issuer
- KAST CardThird NationalKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- KAST CardTazapayKarta Personal CardNot disclosed
- Custody / key management
- KAST CardBitGoKarta Personal CardPrivy
- Identity verification
- KAST CardNot disclosedKarta Personal CardSumsub
- Programme operator
- KAST CardTroia CorpKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- KAST Card20Karta Personal Card25
- Last reviewed
- KAST CardAug 28, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 61 for Karta Personal Card. KAST Card has the lower published FX fee (0.5–1.75% vs 1–3%). KAST Card has the higher published base cashback rate (1.5% vs 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. KAST Card uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
KAST Card lists more stablecoins and ways to send money out (12 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 KAST Card and Karta Personal Card reviews first.
Continue with
KAST Card
Continue with
Karta Personal Card
05 · Common questions
KAST vs Karta Personal FAQ
Is KAST or Karta Personal better overall?
KAST Card has the higher Overall Score (84 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, KAST or Karta Personal?
KAST Card has the lower published FX fee (0.5–1.75% 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, KAST or Karta Personal?
KAST 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 KAST and Karta Personal differ on custody?
KAST Card uses a custodial balance setup, while Karta Personal Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this KAST vs Karta Personal comparison?
The latest information check for these two cards was August 28, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.