Karta
Karta is a premium US credit card for international clients rather than a typical crypto card: the credit line, up to $200,000, is based on your US investment assets and no SSN is needed. It costs $300 a year and earns travel points instead of cashback.
- Visa, Mastercard
- Apple Pay
- Google Pay
- KYC required
- Physical card
- Metal card
Good
- Credit line up to $200,000 without a US Social Security number
- Issued by US banks (Third National, Interaudi Bank)
- Visa Infinite, Visa Signature and World Elite Mastercard versions
- Apple Pay and Google Pay supported
Watch out
- $300 annual fee
- No cashback; points for travel only
- Requires US investment assets or a referral from a private financial firm
- Fees, limits and countries are not published
Key facts
- Cashback
- 0%no cashback
- Annual fee
- $300
- FX fee
- 0 to 1%
- Monthly spend limit
- Credit line up to $200,000
Rewards
| Cashback | 0% (no cashback) |
|---|---|
| Points | 1 point per $1, for flights, hotels and experiences. |
Fees, limits and card details
| Annual fee | $300 |
|---|---|
| Foreign currency (FX) | 0 to 1% |
| Spending, per month | Credit line up to $200,000Based on your US assets |
|---|
| Provider | Karta (conkarta.com) |
|---|---|
| Network | Visa, MastercardVisa Infinite (metal), Visa Signature, Corporate Visa and World Elite Mastercard. |
| Card type | CreditCredit limit based on your US assets. |
| Formats | Physical card, Metal card |
| Currencies | USD |
| Issuer | Third National, Interaudi Bank |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Required | KYC required |
|---|
- The application process is not described publicly; a US Social Security number is not required.
Official links
Availability
Aimed at people with US investment accounts and clients referred by private financial firms. The site also has a Brazilian Portuguese version. No country list is published.
Community review
Our rating
2.6 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 2.2 | 0.62 |
| Cheapest cardUnknown | 20% | 2.0 | |
| Yearly cost$300 | 20% | 0.0 | |
| Top-up costUnknown | 20% | 2.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost1% | 15% | 6.0 | |
| ATM costUnknown | 10% | 2.0 | |
| Rewards | 18% | 0.0 | 0.00 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks0 | 10% | 0.0 | |
| Availability | 14% | 4.4 | 0.62 |
| CountriesUnknown | 70% | 2.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 2.9 | 0.20 |
| Spending capacity a day$6,667 | 70% | 3.3 | |
| Cash a dayUnknown | 30% | 2.0 | |
| Custody | 7% | 2.0 | 0.14 |
| Track record | 7% | 6.0 | 0.42 |
| AgeUnknown | 50% | 2.0 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 4.5 | 0.27 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 2.0 | 0.10 |
| NetworksUnknown | 50% | 2.0 | |
| CoinsUnknown | 50% | 2.0 | |
| App ratings | 3% | 2.0 | 0.06 |
| Total | 100% | 2.63 = 2.6 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
Questions
How much does the Karta card cost?
Annual fee: $300.
Does Karta pay cashback?
No, Karta does not pay cashback. 1 point per $1, for flights, hotels and experiences.
Does Karta require KYC?
Yes, Karta requires identity verification before you get the card. The application process is not described publicly; a US Social Security number is not required.
Can I add Karta to Apple Pay or Google Pay?
Yes, Karta works with Apple Pay and Google Pay.
What are the Karta spending limits?
Per month: Credit line up to $200,000.
Similar cards
- Avici6.3Cashback: 0%; Card price: $15; KYC required
- Tuyo5.4Cashback: 0%; Card price: Free; KYC required
- Avalanche Card5.0Cashback: Not disclosed; Card price: Free; KYC required
- WooCard4.7Cashback: 0%; Card price: $9; No KYC at signup
Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Official website
- PaymentScan
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.