Our verdict
Best for: Users who want zero fees and don't need cashback
Karta charges zero FX markup, zero top-up fees, and zero annual fees. No cashback at all, the value proposition is pure fee minimisation. Available in UK, Europe, Canada, LatAm, and APAC (not US). The MPC wallet model provides non-custodial access. A points programme is in development. If your primary goal is to spend crypto internationally with minimum cost and maximum custody, Karta is worth considering while you wait for more established alternatives.
Specifications
| Card network | Visa |
|---|---|
| Provider | Karta.io / Banco Popular de Puerto Rico |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | USD |
| Available in | Most major regions (varies by Karta Personal vs Business) |
| Supported chains | TRON, Polygon, Base, Arbitrum, Ethereum (8 networks) |
| Supported assets | USDT, USDC |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Cashback | None |
| Daily spend limit | , |
| Monthly spend limit | , |
| Last verified | 2026-04-30 |
What to watch out for
- MPC-powered non-custodial wallet
- 0% commission top-up
- instant Visa virtual issuance (5 minutes)
- built-in IBAN
- Karta AI financial assistant
- B2B-first then expanded to consumer (Karta Personal launched Aug 2025)
- supports USD/EUR/AED conversion
- Telegram-native "Send Money like a Message"
Editorial notes
- Karat token cashback is platform points (1 USDT = 100 Karat)
- 0.5% deposit fee for stablecoin top-ups
- supports BIN codes from USA
- 3.5% top-up commission for non-stablecoin
- physical card coming soon (still virtual-first)
- Karta Pro for businesses gets 1% on eligible MCCs
- partnerships with Banco Popular de Puerto Rico (FDIC-insured Visa issuer)
Frequently asked questions
Where is the Karta available?
As of 2026-04-30, Karta is available to residents of United States, United Kingdom, Europe, Canada, Latin America, and Asia-Pacific. Specific country list: Most major regions (varies by Karta Personal vs Business).
What are the fees on the Karta?
Karta has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Karta hold my crypto?
Yes. Karta is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.