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Ethena Pay vs Karta.io Card

Ethena Pay scores higher on the G2M score: 83/100 against 40/100 (#1 and #26 of 26 cards). Ethena Pay also comes out ahead on cashback and more countries.

Ethena Pay83

#1 of 26 · 4% to 5% back · annual fee none

Get EthenaRead the review
Karta.io Card40

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

Get Karta.ioRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 40/100 (#1 and #26 of 26 cards).
  • Ethena Pay pays 4% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.
  • Neither card has an annual fee.
  • Both charge a 1% FX fee on foreign currency.
  • Ethena Pay lists 48 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Ethena Pay is confirmed in UAE.
  • Both are 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
Ethena Pay
Karta.io Card
G2M score
83 (better)
40
Base cashback
4%
Not published
Max cashback
5%
Not published
Paid in
AVAX, daily
Not published
Annual fee
Free
Free
FX fee
1%
1%
Top-up fee
0%
0%
Per-purchase fee
None listed
1.5%
ATM
$1 + 0.65% per withdrawal
1 USDT + 2.5% per withdrawal
Network
Visa
Visa
Card type
Spend
Prepaid
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
No
No
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
48
Not published; depends on local rules and card partners
Bank account (IBAN or account number)
In your name
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
Yes
No
Tiers
Standard · Pro · VIP
Karta Personal
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
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, Ethena Pay or Karta.io Card?

Ethena Pay scores higher on the G2M score: 83/100 against 40/100 (#1 and #26 of 26 cards). Ethena Pay also comes out ahead on cashback and more countries. 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, Ethena Pay or Karta.io Card?

Neither card has an annual fee. Both charge a 1% FX fee on foreign currency.

Which pays more cashback, Ethena Pay or Karta.io Card?

Ethena Pay pays 4% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.

Which works in more countries, Ethena Pay or Karta.io Card?

Ethena Pay lists 48 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Ethena Pay is confirmed in UAE.

Who holds my funds with Ethena Pay and Karta.io Card?

Both are 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.