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Coinbase One Card vs Karta.io Card

Coinbase One Card scores higher on the G2M score: 62/100 against 40/100 (#14 and #26 of 26 cards). Pick Coinbase One Card for cashback, a lower FX fee and more countries; pick Karta.io Card for a lower annual fee and control of your funds.

Coinbase One Card62

#14 of 26 · 2% to 4% back · annual fee $49.99

Get CoinbaseRead the review
Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review

The short answer

  • Coinbase One Card scores higher on the G2M score: 62/100 against 40/100 (#14 and #26 of 26 cards).
  • Coinbase One Card pays 2% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on Coinbase One Card.
  • Karta.io Card has no annual fee; Coinbase One Card costs $49.99 a year.
  • Coinbase One Card charges less on foreign currency: a 0% FX fee against 1%.
  • Coinbase One Card lists 1 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Coinbase One Card is confirmed in United States.
  • Coinbase One Card is custodial; Karta.io Card is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Coinbase One Card
Karta.io Card
G2M score
62 (better)
40
Base cashback
2%
Not published
Max cashback
4%
Not published
Paid in
Not published
Not published
Annual fee
$49.99
Free (better)
FX fee
0% (better)
1%
Top-up fee
0%
0%
Per-purchase fee
None listed
1.5%
ATM
Cash advance: the greater of $10 or 5%
1 USDT + 2.5% per withdrawal
Network
Amex
Visa
Card type
Credit
Prepaid
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
Yes
No
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
1
Not published; depends on local rules and card partners
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
Not confirmed
No
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
No
No
Yield on your balance
Not confirmed
No
Tiers
Coinbase One Card
Karta Personal
Perks
—
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Coinbase One Card or Karta.io Card?

Coinbase One Card scores higher on the G2M score: 62/100 against 40/100 (#14 and #26 of 26 cards). Pick Coinbase One Card for cashback, a lower FX fee and more countries; pick Karta.io Card for a lower annual fee and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Coinbase One Card or Karta.io Card?

Karta.io Card has no annual fee; Coinbase One Card costs $49.99 a year. Coinbase One Card charges less on foreign currency: a 0% FX fee against 1%.

Which pays more cashback, Coinbase One Card or Karta.io Card?

Coinbase One Card pays 2% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on Coinbase One Card.

Which works in more countries, Coinbase One Card or Karta.io Card?

Coinbase One Card lists 1 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Coinbase One Card is confirmed in United States.

Who holds my funds with Coinbase One Card and Karta.io Card?

Coinbase One Card is custodial; Karta.io Card is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.