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Karta.io Card vs Krak Card

Krak Card scores higher on the G2M score: 60/100 against 40/100 (#18 and #26 of 26 cards). Pick Karta.io Card for control of your funds; pick Krak Card for more countries.

Karta.io Card40

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

Get Karta.ioRead the review
Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review

The short answer

  • Krak Card scores higher on the G2M score: 60/100 against 40/100 (#18 and #26 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.
  • Neither card has an annual fee.
  • Both charge a 1% FX fee on foreign currency.
  • Krak Card lists 32 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Krak Card is confirmed in United States, United Kingdom and EU / EEA.
  • Karta.io Card is self-custodial; Krak Card is 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
Karta.io Card
Krak Card
G2M score
40
60 (better)
Base cashback
Not published
Not published
Max cashback
Not published
2%
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
1%
1%
Top-up fee
0%
0%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
Supported; fees not published
Network
Visa
Visa / Mastercard
Card type
Prepaid
Debit
Custody
Self-custodial
Custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
No
United States
No
Yes
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Not published; depends on local rules and card partners
32
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
3 currencies
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Karta Personal
Krak Card
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, Karta.io Card or Krak Card?

Krak Card scores higher on the G2M score: 60/100 against 40/100 (#18 and #26 of 26 cards). Pick Karta.io Card for control of your funds; pick Krak Card for 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, Karta.io Card or Krak Card?

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

Which pays more cashback, Karta.io Card or Krak Card?

Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.

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

Krak Card lists 32 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Krak Card is confirmed in United States, United Kingdom and EU / EEA.

Who holds my funds with Karta.io Card and Krak Card?

Karta.io Card is self-custodial; Krak Card is 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.

Karta.io Card vs Krak Card: fees, cashback and countries compared · G2M