[ head to head ]

Karta.io Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 40/100 (#15 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Tangem Pay for cashback and more countries.

Karta.io Card40

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

Get Karta.io Read the review

Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get Tangem Read the review

The short answer

Tangem Pay scores higher on the G2M score: 62/100 against 40/100 (#15 and #26 of 26 cards).
Tangem Pay pays 1% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.
Neither card has an annual fee.
Karta.io Card charges less on foreign currency: a 1% FX fee against 1.5%.
Tangem Pay is confirmed in more countries: 50 against 0, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.
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

Karta.io Card

Tangem Pay

G2M score

Base cashback

Not published

Max cashback

Not published

Paid in

Not published

USDC

Annual fee

Free

FX fee

1.5%

Top-up fee

Per-purchase fee

1.5%

None listed

ATM

1 USDT + 2.5% per withdrawal

4% on Basic, 2% on Plus, 1% on Prestige

Network

Visa

Card type

Prepaid

Debit

Custody

Self-custodial

Formats

virtual, physical

virtual, physical, metal

Apple / Google Pay

Yes / Yes

? / ?

India

Unclear

UAE

Unclear

Yes

United States

Yes

United Kingdom

Unclear

EU / EEA

Unclear

Countries

Not published; depends on local rules and card partners

Select regions worldwide

Bank account (IBAN or account number)

In your name

Send money to a bank account

1 currency

Buy and sell crypto with fiat

Buy only

Buy and sell

Spend against crypto without selling

Yield on your balance

Tiers

Karta Personal

Basic · Plus · Prestige

Perks

Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

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 Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 40/100 (#15 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Tangem Pay 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 Tangem Pay?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 1.5%.

Which pays more cashback, Karta.io Card or Tangem Pay?

Tangem Pay pays 1% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.

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

Tangem Pay is confirmed in more countries: 50 against 0, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.

Who holds my funds with Karta.io Card and Tangem Pay?

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.