Karta Personal vs Tria Card
On real usage, Karta Personal leads: $53.6M was spent with it in October 2026, against $15.8M for the other card. On our computed rating, Tria Card scores higher (7.3 vs 3.7 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | Karta Personal | Tria Card |
|---|---|---|
| Our rating | 3.7 / 10 (provisional) | 7.3 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Prepaid | Debit · Self-custody |
| Card formats | Virtual · Physical | Virtual · Plastic · Metal Visa Signature |
| Availability | 150+ countries. Provider does not publish the full list. | Tria advertises card spending in 150+ countries; confirm current country eligibility in the application flow. |
| Rewards | No cashback advertised. | Boosted cashback applies to the first slice of monthly spend, then drops: Lite 1.5% on first 1,000 USD/month then 0.5% unlimited; Pro 4.5% on first 1,000 USD/month then 1% unlimited; Max 6% on first 2,000 USD/month then 1% unlimited. The app showed a 10 USD joining bonus during our review, marked as time-limited. |
| Pricing | Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. | Annual memberships: Lite 20 USD, Pro 109 USD, Max 250 USD. ATM withdrawals cost 1 USD plus 1% of the amount, with a 750 USD maximum per transaction and 3 withdrawals per 24 hours. Card top-up minimums are 50 USD for Bitcoin and 10 USD for other supported tokens. |
| 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. | Top up the card from nine networks: Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos, and Solana. Minimums are 50 USD for BTC and 10 USD for other tokens. Gasless deposits on most chains, except Solana which needs native SOL for gas. Direct SOL deposits are not supported; convert SOL first. Avalanche is not supported for card top-ups. Tria charges no top-up fee itself, but a provider fee applies to swaps and routing and varies with the network, liquidity, and route. TRON top-ups need native TRX for gas. |
| Spent in October 2026 | $53.6M · #5 of 28 tracked · Onchain, daily batches | $15.8M · #9 of 28 tracked · Onchain |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | No cashback | 1.5% |
Karta Personal
Frequent travelers who want a high-acceptance Visa Signature card with free crypto top-ups.
Tria Card
Self-custody believers who want a Visa card with tiered cashback and can spend enough to justify a membership.
Questions about this pair
Which is used more, Karta Personal or Tria Card?+
In October 2026, $53.6M was spent with Karta Personal and $15.8M with Tria 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 Tria Card?+
On the published terms in this directory, Karta Personal lists: No cashback advertised. Tria Card lists: Boosted cashback applies to the first slice of monthly spend, then drops: Lite 1.5% on first 1,000 USD/month then 0.5% unlimited; Pro 4.5% on first 1,000 USD/month then 1% unlimited; Max 6% on first 2,000 USD/month then 1% unlimited. The app showed a 10 USD joining bonus during our review, marked as time-limited. 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 Tria Card?+
Karta Personal: Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. Tria Card: Annual memberships: Lite 20 USD, Pro 109 USD, Max 250 USD. ATM withdrawals cost 1 USD plus 1% of the amount, with a 750 USD maximum per transaction and 3 withdrawals per 24 hours. Card top-up minimums are 50 USD for Bitcoin and 10 USD for other supported tokens. 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.