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Karta.io Card vs Plasma One

Plasma One scores higher on the G2M score: 61/100 against 40/100 (#16 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Plasma One for cashback and more countries.

Karta.io Card40

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

Get Karta.ioRead the review
Plasma One61

#16 of 26 · 2% to 4% back · annual fee none

Get PlasmaRead the review

The short answer

  • Plasma One scores higher on the G2M score: 61/100 against 40/100 (#16 and #26 of 26 cards).
  • Plasma One pays 2% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on Plasma One.
  • Neither card has an annual fee.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.
  • Plasma One is confirmed in more countries: 1 against 0, though neither publishes a full list. Of the markets we check for every card, only Plasma One is confirmed in United States.
  • 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
Karta.io Card
Plasma One
G2M score
40
61 (better)
Base cashback
Not published
2%
Max cashback
Not published
4%
Paid in
Not published
XPL, weekly
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0% (better)
0.15%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
$2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
Network
Visa
Visa
Card type
Prepaid
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Unclear
Unclear
United States
No
Yes
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
Countries
Not published; depends on local rules and card partners
Growing list of countries, full list not published; the US in 31 states
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
19 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
Lite · Core · Platinum
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
Earn on your balance until you spend it (variable rate) · Free USDT transfers on Plasma · 1 free virtual card · 5% on AI merchants (first $250 a month) · ChatGPT Go subscription

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 Plasma One?

Plasma One scores higher on the G2M score: 61/100 against 40/100 (#16 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Plasma One for 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, Karta.io Card or Plasma One?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.

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

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

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

Plasma One is confirmed in more countries: 1 against 0, though neither publishes a full list. Of the markets we check for every card, only Plasma One is confirmed in United States.

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

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.

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