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Karta.io Card vs Pionex Visa Card

Pionex Visa Card scores higher on the G2M score: 49/100 against 40/100 (#22 and #27 of 28 cards). Pick Karta.io Card for control of your funds; pick Pionex Visa Card for cashback and a lower FX fee.

Karta.io Card40

#27 of 28 · Not published back · annual fee none

Get Karta.ioRead the review
Pionex Visa Card49

#22 of 28 · 1% back · annual fee none

Get PionexRead the review

The short answer

  • Pionex Visa Card scores higher on the G2M score: 49/100 against 40/100 (#22 and #27 of 28 cards).
  • Pionex Visa Card pays 1% cashback on its entry tier; Karta.io Card does not publish a rate.
  • Neither card has an annual fee.
  • Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1%.
  • Neither card has confirmed a country we can count yet.
  • Karta.io Card is self-custodial; Pionex Visa 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
Pionex Visa Card
G2M score
40
49 (better)
Base cashback
Not published
1%
Max cashback
Not published
1%
Paid in
Not published
USDT
Annual fee
Free
Free
FX fee
1%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
1.5%
1% + $0.20 at or under $5, first 1 a month free
ATM
1 USDT + 2.5% per withdrawal
2% (physical card only; physical cards are not open to new applicants)
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Self-custodial
Custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Unclear
Unclear
United States
No
No
United Kingdom
Unclear
No
EU / EEA
Unclear
Unclear
Countries
Not published; depends on local rules and card partners
Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
No
Not confirmed
Buy and sell crypto with fiat
Buy only
Buy only
Spend against crypto without selling
No
Not confirmed
Yield on your balance
No
Yes
Tiers
Karta Personal
Visa
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links

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 Pionex Visa Card?

Pionex Visa Card scores higher on the G2M score: 49/100 against 40/100 (#22 and #27 of 28 cards). Pick Karta.io Card for control of your funds; pick Pionex Visa Card for cashback and a lower FX fee. 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 Pionex Visa Card?

Neither card has an annual fee. Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1%.

Which pays more cashback, Karta.io Card or Pionex Visa Card?

Pionex Visa Card pays 1% cashback on its entry tier; Karta.io Card does not publish a rate.

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

Neither card has confirmed a country we can count yet.

Who holds my funds with Karta.io Card and Pionex Visa Card?

Karta.io Card is self-custodial; Pionex Visa 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.