PhantomPhantom
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Side-by-side card comparison
Phantom vs Karta Personal: fees, rewards and account setup
Karta Personal Card has the higher Overall Score by 2 points (61 vs 59). Karta Personal Card also looks stronger for Travel, Funds control, Lowest fees, and Transfers. The details below show where Phantom Card may still be the better personal fit.
Information checked Aug 11, 202639 official sources reviewed
01 · Make the first cut
Karta Personal Card is the better all-round starting point
Karta Personal Card has the higher Overall Score in this comparison. Phantom Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallPhantom59Karta Personal61Higher score
CashbackPhantom14Karta Personal14Same score
TravelPhantom25Karta Personal46Higher score
Funds controlPhantom89Karta Personal92Higher score
Lowest feesPhantom44Karta Personal53Higher score
TransfersPhantom88Karta Personal90Higher score
Choose Phantom Card if its day-to-day setup suits you
Phantom Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose Karta Personal Card if travel and funds control matter most
Karta Personal Card comes out ahead for Travel, 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
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Phantom59Karta Personal61
Karta Personal Card has the higher Overall Score by 2 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXKarta Personal$0 plan · 1–3% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Phantom0% cashbackKarta Personal0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletKarta PersonalSelf-controlled wallet
Phantom Card and Karta Personal Card use the same self-controlled wallet setup.
- Everyday access
- PhantomVirtual · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutKarta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 6).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsPhantom CardOverall59Karta Personal CardOverall61
Phantom CardOverall59Karta Personal CardOverall61Scores
6 fields- Overall Score
- Phantom Card59Karta Personal Card61
- Cashback score
- Phantom Card14Karta Personal Card14
- Travel score
- Phantom Card25Karta Personal Card46
- Funds control score
- Phantom Card89Karta Personal Card92
- Lowest fees score
- Phantom Card44Karta Personal Card53
- Transfers score
- Phantom Card88Karta Personal Card90
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearKarta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Phantom CardNot disclosedKarta Personal Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationKarta Personal Card1–3%
- Top-up fee
- Phantom Card0.3–3.5%Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Phantom Card0%Karta Personal Card1.5%
- ATM fee
- Phantom CardNot availableKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Phantom CardFree virtual cardKarta Personal Card5 USDT one-time
- Physical card
- Phantom CardNot availableKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Phantom CardNot disclosedKarta Personal CardNot disclosed
- Top cashback plan
- Phantom CardNot disclosedKarta Personal CardNot disclosed
Everyday use
8 fields- Network
- Phantom CardVisaKarta Personal CardVisa
- Card formats
- Phantom CardVirtualKarta Personal CardVirtual
- ATM withdrawals
- Phantom CardNot availableKarta Personal CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Phantom CardNot availableKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Phantom CardSolanaKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireKarta Personal CardBank deposits
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Phantom CardUSDKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Phantom Card0%Karta Personal Card0%
- Max cashback
- Phantom Card0%Karta Personal Card0%
- Reward currency
- Phantom CardNot applicableKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedKarta Personal CardNot offered
- How it works
- Phantom CardOptional earn vaultKarta Personal CardNot offered
- Separate deposit
- Phantom CardYesKarta Personal CardNot offered
- Use balance for spending
- Phantom CardNoKarta Personal CardNot offered
- Lock-up
- Phantom CardNot disclosedKarta Personal CardNot offered
Trust & availability
8 fields- Custody
- Phantom CardSelf-custodyKarta Personal CardSelf-custody
- Control until payment
- Phantom CardYou keep controlKarta Personal CardYou keep control
- Card issuer
- Phantom CardLead BankKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- Phantom CardBridge Ventures LLC, GalileoKarta Personal CardNot disclosed
- Custody / key management
- Phantom CardNot disclosedKarta Personal CardPrivy
- Deposits & withdrawals
- Phantom CardStripeKarta Personal CardNot disclosed
- Identity verification
- Phantom CardLinkKarta Personal CardSumsub
- Programme operator
- Phantom CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Phantom Card14Karta Personal Card25
- Last reviewed
- Phantom CardAug 5, 2026Karta Personal CardAug 11, 2026
04 · The takeaway
Karta Personal Card is the stronger all-round choice
Karta Personal Card finishes ahead with an Overall Score of 61 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Phantom Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Phantom Card and Karta Personal Card use the same self-controlled wallet setup.
Phantom 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 Phantom Card and Karta Personal Card reviews first.
Continue with
Phantom Card
Continue with
Karta Personal Card
05 · Common questions
Phantom vs Karta Personal FAQ
Is Phantom or Karta Personal better overall?
Karta Personal Card has the higher Overall Score (61 vs 59). 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, Phantom or Karta Personal?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Phantom or Karta Personal?
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 Phantom and Karta Personal differ on custody?
Phantom Card and Karta Personal Card use the same self-controlled wallet setup.
How current is this Phantom vs Karta Personal comparison?
The latest information check for these two cards was August 11, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.