MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Karta Personal: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 15 points (76 vs 61). MetaMask Card looks stronger for Cashback, Travel, and Lowest fees, while Karta Personal Card comes out ahead for Funds control and Transfers.
Information checked Aug 12, 202637 official sources reviewed
01 · Overall score versus use-case fit
MetaMask Card is the better all-round starting point
MetaMask Card 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.
OverallMetaMask76Karta Personal61Higher score
CashbackMetaMask49Karta Personal14Higher score
TravelMetaMask91Karta Personal46Higher score
Funds controlMetaMask87Karta Personal92Higher score
Lowest feesMetaMask82Karta Personal53Higher score
TransfersMetaMask59Karta Personal90Higher score
Choose MetaMask Card if cashback and travel matter most
MetaMask Card 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.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
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
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
- MetaMask76Karta Personal61
MetaMask Card has the higher Overall Score by 15 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXKarta Personal$0 plan · 1–3% FX
MetaMask Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- MetaMask1% base · up to 3%Karta Personal0% cashback
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletKarta PersonalSelf-controlled wallet
MetaMask Card and Karta Personal Card use the same self-controlled wallet setup.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5).
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%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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
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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
CardsMetaMask CardOverall76Karta Personal CardOverall61
MetaMask CardOverall76Karta Personal CardOverall61Scores
6 fields- Overall Score
- MetaMask Card76Karta Personal Card61
- Cashback score
- MetaMask Card49Karta Personal Card14
- Travel score
- MetaMask Card91Karta Personal Card46
- Funds control score
- MetaMask Card87Karta Personal Card92
- Lowest fees score
- MetaMask Card82Karta Personal Card53
- Transfers score
- MetaMask Card59Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- MetaMask Card$0Karta Personal Card$0
- FX fee
- MetaMask Card0–1%Karta Personal Card1–3%
- Top-up fee
- MetaMask Card0%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- MetaMask CardNot disclosedKarta Personal Card1.5%
- ATM fee
- MetaMask Card0–2%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierKarta Personal Card5 USDT one-time
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalKarta Personal CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardKarta Personal CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- MetaMask CardAvailableKarta Personal CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebKarta Personal CardNo app listed
- Daily spending limit
- MetaMask CardNot disclosedKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- MetaMask CardNot disclosedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- MetaMask CardLimits shown in appKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- MetaMask CardNot disclosedKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- MetaMask CardNot disclosedKarta Personal CardBank deposits
- Transfers
- MetaMask CardStablecoin transfersKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- MetaMask CardNot disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- MetaMask Card1%Karta Personal Card0%
- Max cashback
- MetaMask Card3%Karta Personal Card0%
- Reward currency
- MetaMask CardmUSD cashbackKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYKarta Personal CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultKarta Personal CardNot offered
- Separate deposit
- MetaMask CardYesKarta Personal CardNot offered
- Use balance for spending
- MetaMask CardYesKarta Personal CardNot offered
- Lock-up
- MetaMask CardNoKarta Personal CardNot offered
Trust & availability
6 fields- Custody
- MetaMask CardSelf-custodyKarta Personal CardSelf-custody
- Control until payment
- MetaMask CardYou keep controlKarta Personal CardYou keep control
- Card issuer
- MetaMask CardCross River BankKarta Personal CardNimbus LLC d/b/a Third National
- Custody / key management
- MetaMask CardNot disclosedKarta Personal CardPrivy
- Identity verification
- MetaMask CardCrypto LifeKarta Personal CardSumsub
- Programme operator
- MetaMask CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- MetaMask Card12Karta Personal Card25
- Last reviewed
- MetaMask CardAug 12, 2026Karta Personal CardAug 11, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 61 for Karta Personal Card. MetaMask Card has the lower published FX fee (0–1% vs 1–3%). MetaMask Card has the higher published base cashback rate (1% 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. MetaMask Card and Karta Personal Card use the same self-controlled wallet setup.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 5). 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 MetaMask Card and Karta Personal Card reviews first.
Continue with
MetaMask Card
Continue with
Karta Personal Card
05 · Common questions
MetaMask vs Karta Personal FAQ
Is MetaMask or Karta Personal better overall?
MetaMask Card has the higher Overall Score (76 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, MetaMask or Karta Personal?
MetaMask Card has the lower published FX fee (0–1% 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, MetaMask or Karta Personal?
MetaMask Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and Karta Personal differ on custody?
MetaMask Card and Karta Personal Card use the same self-controlled wallet setup.
How current is this MetaMask vs Karta Personal comparison?
The latest information check for these two cards was August 12, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.