ether.fi Cash vs Karta Personal
On real usage, ether.fi Cash leads: $141.9M was spent with it in October 2026, against $53.6M for the other card. On our computed rating, ether.fi Cash scores higher (6.8 vs 3.7 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | ether.fi Cash | Karta Personal |
|---|---|---|
| Our rating | 6.8 / 10 (provisional) | 3.7 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Dual-mode · Self-custody | Prepaid |
| Card formats | Virtual · Physical | Virtual · Physical |
| Availability | Bank transfers available in 162 countries including the US, UK, EU members, UAE, Pakistan, and India; not available in 24 jurisdictions including Russia, China, Belarus, Iran, and North Korea. Physical Cash card available in 31 US states; Belgium and Ireland are Cash-eligible but have no physical card delivery. xStocks trading available in supported EU countries. | 150+ countries. Provider does not publish the full list. |
| Rewards | 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. | No cashback advertised. |
| Pricing | Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. | Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. |
| Funding | Crypto deposits carry no ether.fi deposit fee; you pay network gas only. Deposit supported crypto into a non-custodial ether.fi Vault; funds become available for spending in Direct Pay mode or serve as collateral in Borrow mode. Bank transfer funding: USD ACH ($0.50 + 0.10%), USD wire/SWIFT ($20 + 0.10%), EUR SEPA, GBP Faster Payments, AUD, MXN, COP, AED local transfers. | Topped up with crypto from the user's wallet; top-ups are free. A wallet-direct model is in development on Tempo, the payments chain from Stripe and Paradigm: the user approves the card once with a spending limit (Tempo Access Keys), and at the terminal the card debits the user's own wallet with nothing to sign, settlement final in about 500 ms and a chain fee of about $0.001 paid in stablecoins. Karta's treasury already runs on Tempo and the user app is moving over, per @xKseilas (November 2026); the pre-funded top-up model is what is live today. |
| Spent in October 2026 | $141.9M · #2 of 28 tracked · Onchain | $53.6M · #5 of 28 tracked · Onchain, daily batches |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | up to 65%, cap $2,000/month | No cashback |
ether.fi Cash
Crypto holders who want credit-card spending power without selling their assets or giving up custody, plus travel perks.
Karta Personal
Frequent travelers who want a high-acceptance Visa Signature card with free crypto top-ups.
Questions about this pair
Which is used more, ether.fi Cash or Karta Personal?+
In October 2026, $141.9M was spent with ether.fi Cash and $53.6M with Karta Personal, across the programs tracked by PaymentScan and republished by Castle Labs. ether.fi Cash is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, ether.fi Cash or Karta Personal?+
On the published terms in this directory, ether.fi Cash lists: 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. Karta Personal lists: No cashback advertised. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between ether.fi Cash and Karta Personal?+
ether.fi Cash: Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. Karta Personal: Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. Provider fees and regional terms change, so confirm on the official fee pages linked from each profile.
More comparisons
Spend figures are settled payments tracked by PaymentScan and republished by Castle Labs for October 2026; see the spend tracker for methodology and caveats. Ratings are computed from structured listing facts by a fixed formula; see how we rate. This comparison is educational content, not a personal recommendation.