Karta Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual 5 USDT (promotional, was 30); reissue 15 USDT; plastic 99 USDT or metal 299 USDT on pre-order, shipping extra |
|---|---|
| Annual fee | Free |
| FX fee | 1.5% card payment fee + 1% Visa intl fee = ~2.5% total on non-USD |
| ATM limit | Available. 2.5% + 1 USDT per successful withdrawal, 1 USDT per declined attempt, plus any operator fee |
| Spending limit | $25,000 per transaction; higher on request |
Fees change; the current ones are in Karta’s terms.
Features
- Cashback: None on own spending. Referral only: ~0.25% commission on friend spending (25 Karat per $100 = $0.25)
- Custody: Hybrid custody
The fine print
- Hybrid: the help centre names Privy as the custody partner and says it provides non-custodial wallet infrastructure where users retain full control over their assets and private keys, while card payments and bank transfers are processed through licensed partners
- A second help article describes funds at a Fireblocks wallet address, so Karta gives two accounts of custody that do not agree
- KYC: Yes
- Card type: Virtual only. Plastic and metal cards on pre-order, first shipments planned for October 2026
- Top up with: USDT and USDC on eight chains, free except TRC-20 at 5.90 USDT
Full list
- Bank top-ups through virtual accounts: ACH 0.30% + 2.50 USDT, SWIFT 0.30% + 37.50 USDT, US domestic wire 0.30% + 30 USDT, SEPA 1% + 2 USDT, SPEI 1%, COP bank transfer 1% + 0.50 USDT, but the help centre says stablecoins are "currently the only available method" and lists bank transfer as coming soon, so treat the bank schedule as published pricing rather than a working rail
- PIX temporarily unavailable
- Available countries: Antigua and Barbuda, Argentina, Bahamas, Barbados, Bangladesh, Belize, Bolivia (Plurinational State of), Brazil, Cayman…
Full list
… Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominican Republic, Dominica, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Kenya, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, South Africa, Sri Lanka, Suriname, Thailand, Trinidad and Tobago, Turks and Caicos Islands, United Arab Emirates, Uganda, Uruguay, Zambia
Who issues the Karta Card
The Karta Card is issued by Rain (Signify Holdings, Inc.), USA (New York) (Visa Principal Member (Mar 2025) + Mastercard Principal Member (4 May 2026); program manager turned named issuer on newer launches). The issuer is named in the source linked below. (the help centre lists partners as "Visa card issuing — Nimbus LLC d/b/a Third National"; the launch release said "issued by Rain, a Visa Principal Member", and the marketing site says only "we work with regulated financial and card-issuing partners". This is karta.io, the Telegram crypto card, and not the unrelated US charge card at conkarta.com, whose own cards are issued by Third National and by Interaudi Bank).
Primary source · All cards issued by Rain (Signify Holdings, Inc.) · Why the issuer matters
Supported cryptocurrencies
You can load the Karta Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Card issued and managed inside Telegram
The fine print
- Free stablecoin top-ups on seven networks
- Virtual accounts to receive USD, EUR, MXN and COP bank transfers
- Visa Signature extras (airport offers through DragonPass, 1GB GigSky eSIM, rental car cover, purchase protection)
- No monthly, annual or inactivity fees
- Banking rails: SEPA / SWIFT support
Cons
- Physical cards are still a pre-order (99 USDT plastic, 299 USDT metal, shipping extra)
The fine print
- 1.5% on every card payment plus Visa's 1% on non-USD
- ATM 2.5% + 1 USDT
- TRC-20 top-ups cost 5.90 USDT
- Telegram dependency
- Cashback only from referrals
- Not available for US citizens
- Card issuance fee: Virtual 5 USDT (promotional, was 30)
Regional availability
Availability by exclusion list
Most countries except an unpublished unsupported list; US citizens excluded wherever they live.
Banking and fiat rails
The fine print
- … and COP transfers
- PIX temporarily unavailable
- Sending to bank accounts listed as coming soon
Card overview
A Visa Signature from Third National, issued inside Telegram in minutes for 5 USDT, with DragonPass airport offers, rental car cover and a free 1GB eSIM attached: the convenience story is real. The economics are thinner. Karta pays no cashback on your own spending (the only reward is a roughly 0.25% referral commission on friends' spend). Every card payment costs 1.5%, and anything not in US dollars adds Visa's 1% international charge, about 2.5% all-in.
ATM cash costs 2.5% plus 1 USDT. USDT and USDC top-ups are free on seven of the eight chains; Tron costs 5.90 USDT, and stablecoins are the only funding route that works today. Bank transfers into virtual USD, EUR, MXN and COP accounts have published fees, but the help centre still lists them as coming soon. Who holds the coins is unsettled: one help article puts them in Privy wallets where you keep the keys, another at a Fireblocks address.
US citizens are excluded, and the card is still virtual: plastic (99 USDT) and metal (299 USDT) are on pre-order for October 2026. As an instant travel card that lives where your chats are, it's handy. Just don't expect it to pay you anything.
Common questions about the Karta Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
