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Karta.io Card vs Solayer Card

Solayer Card scores higher on the G2M score: 47/100 against 40/100 (#23 and #26 of 26 cards). Pick Karta.io Card for a lower annual fee and a lower FX fee; pick Solayer Card for more countries.

Karta.io Card40

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

Get Karta.ioRead the review
Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review

The short answer

  • Solayer Card scores higher on the G2M score: 47/100 against 40/100 (#23 and #26 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier.
  • Karta.io Card has no annual fee; Solayer Card costs $20 a year.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 1.5%.
  • Solayer Card is confirmed in more countries: 154 against 0, though neither publishes a full list. Of the markets we check for every card, only Solayer Card 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
Solayer Card
G2M score
40
47 (better)
Base cashback
Not published
Not published
Max cashback
Not published
Not published
Paid in
Not published
Points
Annual fee
Free (better)
$20
FX fee
1% (better)
1.5%
Top-up fee
0% (better)
1%
Per-purchase fee
1.5%
$0.15
ATM
1 USDT + 2.5% per withdrawal
Supported; fee not published
Network
Visa
Visa
Card type
Prepaid
Credit
Custody
Self-custodial
Self-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
No
EU / EEA
Unclear
No
Countries
Not published; depends on local rules and card partners
154
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
No
No
Buy and sell crypto with fiat
Buy only
No
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Karta Personal
Membership
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
Referral points

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 Solayer Card?

Solayer Card scores higher on the G2M score: 47/100 against 40/100 (#23 and #26 of 26 cards). Pick Karta.io Card for a lower annual fee and a lower FX fee; pick Solayer 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 Solayer Card?

Karta.io Card has no annual fee; Solayer Card costs $20 a year. Karta.io Card charges less on foreign currency: a 1% FX fee against 1.5%.

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

Neither card publishes a cashback rate for its entry tier.

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

Solayer Card is confirmed in more countries: 154 against 0, though neither publishes a full list. Of the markets we check for every card, only Solayer Card is confirmed in United States.

Who holds my funds with Karta.io Card and Solayer 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.