TangemTangem
77
Side-by-side card comparison
Tangem vs Karta Personal: overall score versus use-case fit
Tangem Card has the higher Overall Score by 15 points (77 vs 62). Tangem Card looks stronger for Cashback and Travel, while Karta Personal Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202645 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Karta Personal Card may be the better fit for Funds control, Lowest fees, 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.
OverallTangem77Karta Personal62Higher score
CashbackTangem73Karta Personal15Higher score
TravelTangem63Karta Personal47Higher score
Funds controlTangem87Karta Personal92Higher score
Lowest feesTangem52Karta Personal55Higher score
TransfersTangem65Karta Personal91Higher score
Choose Tangem Card if cashback and travel matter most
Tangem Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Karta Personal Card if funds control and lowest fees matter most
Karta Personal Card comes out ahead for 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
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
- Tangem77Karta Personal62
Tangem Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Karta Personal0% cashback
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodyKarta PersonalSelf-controlled wallet
Tangem Card uses a hybrid custody 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
- TangemVirtual + Physical · Apple Pay, Google PayKarta PersonalVirtual · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem2 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 3).
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%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 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 · 7 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
CardsTangem CardOverall77Karta Personal CardOverall62
Tangem CardOverall77Karta Personal CardOverall62Scores
6 fields- Overall Score
- Tangem Card77Karta Personal Card62
- Cashback score
- Tangem Card73Karta Personal Card15
- Travel score
- Tangem Card63Karta Personal Card47
- Funds control score
- Tangem Card87Karta Personal Card92
- Lowest fees score
- Tangem Card52Karta Personal Card55
- Transfers score
- Tangem Card65Karta Personal Card91
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonKarta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM access
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surface
Costs
7 fields- Plan cost
- Tangem Card$0Karta Personal Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownKarta Personal Card1–3%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Tangem Card0%Karta Personal Card1.5%
- ATM fee
- Tangem Card2–4%Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Tangem Card$0 for the first virtual cardKarta Personal Card5 USDT one-time
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeKarta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusKarta Personal CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Karta Personal CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaKarta Personal CardVisa
- Card formats
- Tangem CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Tangem CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidKarta Personal CardNo app listed
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsKarta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredKarta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumKarta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTKarta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositKarta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3
- Transfers
- Tangem CardStablecoin transfersKarta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Tangem CardNot disclosedKarta Personal CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%Karta Personal Card0%
- Max cashback
- Tangem Card2%Karta Personal Card0%
- Reward currency
- Tangem CardUSDCKarta Personal CardNo cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredKarta Personal CardNot offered
- How it works
- Tangem CardNot offeredKarta Personal CardNot offered
- Separate deposit
- Tangem CardNot offeredKarta Personal CardNot offered
- Use balance for spending
- Tangem CardNot offeredKarta Personal CardNot offered
- Lock-up
- Tangem CardNot offeredKarta Personal CardNot offered
Trust & availability
7 fields- Custody
- Tangem CardHybrid custodyKarta Personal CardSelf-custody
- Control until payment
- Tangem CardYou keep controlKarta Personal CardYou keep control
- Card issuer
- Tangem CardThird NationalKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- Tangem CardPaera LLCKarta Personal CardNot disclosed
- Custody / key management
- Tangem CardNot disclosedKarta Personal CardPrivy
- Identity verification
- Tangem CardSumsubKarta Personal CardSumsub
- Programme operator
- Tangem CardNot disclosedKarta Personal CardKarta Finance, Inc.
Sources
2 fields- Official sources
- Tangem Card20Karta Personal Card25
- Last reviewed
- Tangem CardOct 11, 2026Karta Personal CardSep 5, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 62 for Karta Personal Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Karta Personal Card still comes out ahead for Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem Card uses a hybrid custody 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.
Karta Personal Card lists more stablecoins and ways to send money out (6 vs 3). 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 Tangem Card and Karta Personal Card reviews first.
Continue with
Tangem Card
Continue with
Karta Personal Card
05 · Common questions
Tangem vs Karta Personal FAQ
Is Tangem or Karta Personal better overall?
Tangem Card has the higher Overall Score (77 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, Tangem 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, Tangem or Karta Personal?
Tangem 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 Tangem and Karta Personal differ on custody?
Tangem Card uses a hybrid custody 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 Tangem vs Karta Personal comparison?
The latest information check for these two cards was October 11, 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.