Karta Personal vs Plasma One Card
On real usage, Karta Personal leads: $53.6M was spent with it in October 2026, against $30.2M for the other card. On our computed rating, Plasma One Card scores higher (6.1 vs 3.7 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | Karta Personal | Plasma One Card |
|---|---|---|
| Our rating | 3.7 / 10 (provisional) | 6.1 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Prepaid | Self-custody |
| Card formats | Virtual · Physical | Virtual · Physical |
| Availability | 150+ countries. Provider does not publish the full list. | Provider does not publish a specific country list on the reviewed page. |
| Rewards | No cashback advertised. | XPL cashback: 2% on Lite (first $500/month, then 0.1%), 3% on Premium (first $1,000/month, then 2% on the next $1,000, 1% on the next $1,000, 0.25% after), 4% on Platinum (first $3,000/month). Premium's AI benefit is a $200 per year AI spend credit, allocated monthly across an expanded list of AI providers; it replaced the old Core AI cashback bands and ChatGPT Go rebate on 11 November 2026. Premium also adds local merchant rewards in Dubai, London and New York. |
| Pricing | Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. | Lite tier free; Premium (formerly Core) $600 per year or 20,000 XPL lock (about $1,050 at November 2026 prices); Platinum requires 100,000 XPL lock (promotional, rising to 150,000 XPL after). FX: 0% on the first $3,000 of monthly card spend on Premium (Core previously charged 0.5% plus about 1% Visa network FX), 0% on Platinum, 1% markup on Lite plus a Visa network FX fee of about 1%. Bank withdrawals: 0.75% to 1% on Lite, 0.25% to 0.35% on Premium. Existing Core members keep their current benefits until their term ends, then renew at the Premium price with at least 30 days notice. |
| Funding | 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. | Spends self-custodied stablecoins through the Plasma card program, issued via Rain infrastructure. Direct ETH and HYPE deposits and spending were added on October 28, 2026. Stablecoin balances can earn yield through DeFi protocols within the Plasma ecosystem. Crypto deposits carry a Plasma fee of 0.15% to 0.75% on every tier, plus network and bridge fees; a swap fee applies to USDC deposits, while USDT deposits skip the swap fee. |
| Spent in October 2026 | $53.6M · #5 of 28 tracked · Onchain, daily batches | $30.2M · #6 of 28 tracked · Onchain |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | No cashback | 2%, cap $500/month |
Karta Personal
Frequent travelers who want a high-acceptance Visa Signature card with free crypto top-ups.
Plasma One Card
High-spending stablecoin users who can justify a paid tier or XPL lock for up to 4% cashback.
Questions about this pair
Which is used more, Karta Personal or Plasma One Card?+
In October 2026, $53.6M was spent with Karta Personal and $30.2M with Plasma One Card, across the programs tracked by PaymentScan and republished by Castle Labs. Karta Personal is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, Karta Personal or Plasma One Card?+
On the published terms in this directory, Karta Personal lists: No cashback advertised. Plasma One Card lists: XPL cashback: 2% on Lite (first $500/month, then 0.1%), 3% on Premium (first $1,000/month, then 2% on the next $1,000, 1% on the next $1,000, 0.25% after), 4% on Platinum (first $3,000/month). Premium's AI benefit is a $200 per year AI spend credit, allocated monthly across an expanded list of AI providers; it replaced the old Core AI cashback bands and ChatGPT Go rebate on 11 November 2026. Premium also adds local merchant rewards in Dubai, London and New York. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between Karta Personal and Plasma One Card?+
Karta Personal: Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. Plasma One Card: Lite tier free; Premium (formerly Core) $600 per year or 20,000 XPL lock (about $1,050 at November 2026 prices); Platinum requires 100,000 XPL lock (promotional, rising to 150,000 XPL after). FX: 0% on the first $3,000 of monthly card spend on Premium (Core previously charged 0.5% plus about 1% Visa network FX), 0% on Platinum, 1% markup on Lite plus a Visa network FX fee of about 1%. Bank withdrawals: 0.75% to 1% on Lite, 0.25% to 0.35% on Premium. Existing Core members keep their current benefits until their term ends, then renew at the Premium price with at least 30 days notice. 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.