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Karta.io Card vs Pulsar Money Card

Pulsar Money Card scores higher on the G2M score: 56/100 against 40/100 (#24 and #35 of 39 cards). Pick Karta.io Card for control of your funds; pick Pulsar Money Card for cashback and more countries.

Karta.io Card40

#35 of 39 · 0% back · annual fee none

Get Karta.ioRead the review
Pulsar Money Card56

#24 of 39 · 0.5% to 2% back · annual fee none

Get Pulsar MoneyRead the review

The short answer

  • Pulsar Money Card scores higher on the G2M score: 56/100 against 40/100 (#24 and #35 of 39 cards).
  • Pulsar Money Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 2% on Pulsar Money Card.
  • Neither card has an annual fee.
  • Both charge a 1% FX fee on foreign currency.
  • Pulsar Money Card lists 73 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Pulsar Money Card is confirmed in United Kingdom, EU / EEA and UAE.
  • Karta.io Card is non-custodial; Pulsar Money Card is not published.

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
Pulsar Money Card
G2M score
40
56 (better)
Base cashback
0%
0.5% (better)
Max cashback
Not published
2%
Paid in
Not published
Pulsar Points (USDC refunds)
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; 1 USDT for a declined withdrawal. Per the Karta app: up to 250 USDT per withdrawal including the fee, and 3 tries in any 24 hours (declined ones count)
Free up to $200 a month, then 2%
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Non-custodial
Not published
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical, metal
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
No
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Not published; depends on local rules and card partners
73
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
2 currencies
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
No
Not confirmed
Yield on your balance
No
Yes
Tiers
Karta Personal
Free · Pro
Perks
Visa Signature · Visa Airport Companion (DragonPass): lounge visits at fixed prices, airport dining discounts, some free set meals and airport transfer offers · 1GB of free GigSky eSIM data when travelling · Car rental insurance against theft or damage, up to 31 days · Purchase protection against theft or accidental damage, up to 180 days
USD and EUR account details in your name · About 5.2% APY on stablecoins through DeFi vaults (variable, capital at risk) · Pro: double points at ChatGPT, Claude, X, Uber and Bolt, partner offers, no Invest fees · 4% on subscriptions · Double points at ChatGPT, Claude, X, Uber and Bolt

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 12 Nov 2026; see each card's review for its sources.

Questions

Which is better, Karta.io Card or Pulsar Money Card?

Pulsar Money Card scores higher on the G2M score: 56/100 against 40/100 (#24 and #35 of 39 cards). Pick Karta.io Card for control of your funds; pick Pulsar Money Card 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 Pulsar Money Card?

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

Which pays more cashback, Karta.io Card or Pulsar Money Card?

Pulsar Money Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 2% on Pulsar Money Card.

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

Pulsar Money Card lists 73 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Pulsar Money Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with Karta.io Card and Pulsar Money Card?

Karta.io Card is non-custodial; Pulsar Money Card is not published.

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.