[ head to head ]

ether.fi Cash Card vs Karta.io Card

ether.fi Cash Card scores higher on the G2M score: 80/100 against 40/100 (#2 and #26 of 26 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee and more countries.

ether.fi Cash Card80

#2 of 26 · 3% to 4% back · annual fee Not published

Get ether.fi Read the review

Karta.io Card40

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

Get Karta.io Read the review

The short answer

ether.fi Cash Card scores higher on the G2M score: 80/100 against 40/100 (#2 and #26 of 26 cards).
ether.fi Cash Card pays 3% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on ether.fi Cash Card.
Karta.io Card has no annual fee; ether.fi Cash Card does not publish its annual fee.
ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1%.
ether.fi Cash Card lists 91 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only ether.fi Cash Card is confirmed in United States, United Kingdom, EU / EEA and 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

ether.fi Cash Card

Karta.io Card

G2M score

Base cashback

Not published

Max cashback

Not published

Paid in

ETHFI

Not published

Annual fee

Not published

Free

FX fee

0.5%

Top-up fee

Per-purchase fee

None listed

1.5%

ATM

Free: 10 a month on Core and Luxe, unlimited on Pinnacle and VIP. Up to $5,000 per withdrawal, 5 a day

1 USDT + 2.5% per withdrawal

Network

Visa

Card type

Credit

Prepaid

Custody

Self-custodial

Formats

virtual, physical

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Yes

Unclear

United States

Yes

United Kingdom

Yes

Unclear

EU / EEA

Yes

Unclear

Countries

Not published; depends on local rules and card partners

Bank account (IBAN or account number)

In your name

Send money to a bank account

27 currencies

Buy and sell crypto with fiat

Buy and sell

Buy only

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Core · Luxe · Pinnacle · VIP

Karta Personal

Perks

Airport lounge access on every tier · Visa Signature benefits · Airport lounge benefit · Visa concierge · Purchase and price protection

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, ether.fi Cash Card or Karta.io Card?

ether.fi Cash Card scores higher on the G2M score: 80/100 against 40/100 (#2 and #26 of 26 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee 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, ether.fi Cash Card or Karta.io Card?

Karta.io Card has no annual fee; ether.fi Cash Card does not publish its annual fee. ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1%.

Which pays more cashback, ether.fi Cash Card or Karta.io Card?

ether.fi Cash Card pays 3% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on ether.fi Cash Card.

Which works in more countries, ether.fi Cash Card or Karta.io Card?

ether.fi Cash Card lists 91 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only ether.fi Cash Card is confirmed in United States, United Kingdom, EU / EEA and UAE.

Who holds my funds with ether.fi Cash Card 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.