Image: Karta.io

Karta.io Virtual Visa review: fees, cashback and limits

Name: Karta.io Virtual Visa
Brand: Karta.io

Up to 30 virtual Visa cards funded with USDT or USDC, built for freelancers.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

5.1out of 10

Quick answer

Karta.io offers virtual Visa cards funded with USDT or USDC, aimed at freelancers and small teams who need separate cards for subscriptions, ads and projects. The Freelancer plan lists free issuance, no monthly, top-up or FX fees and up to 30 active virtual cards, but no Apple Pay or Google Pay. The separate Karta Personal card charges 1.5% per card payment and 1 USDT plus 2.5% for ATM cash.

Karta.io at a glance

Best for	Freelancers who want many virtual cards for online tools and ads.
Skip it if	You want to pay in shops with your phone.
Network	Visa
Card issuer	Not stated
Custody	Custodial (Karta.io account)
Card type	Prepaid virtual cards
Virtual or physical	Virtual (Freelancer plan). The personal card also comes as physical.
Cashback	None on business virtual cards
Annual fee	No monthly fee
Apple Pay / Google Pay	No / No
Identity check (KYC)	Required (ID)
Where it works	Not published. Karta.io notes strict geographic restrictions.

Karta.io fees

Card cost	Free on the Freelancer plan. Personal card $5.
Annual or membership fee	No monthly fee
FX and cross-border	Free on the Freelancer plan. Karta Personal: 1.5% fee on every card payment, and Visa adds 1% on non-USD payments.
Crypto conversion	Free top-ups
ATM withdrawals	Not applicable to virtual cards

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Karta.io app for your country before you load money. To see what Karta.io would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Karta.io

$0.00Paid from stablecoins in the card's own currency

$0.00Paid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$0Cashback on $100, Freelancer tier

These are Karta.io's own fees on the Freelancer tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Cashback and rewards

Karta Personal card: check the app for current rewards. Its published fees are 1.5% per payment and 1 USDT plus 2.5% per ATM withdrawal.

Deposits and withdrawals

How to top up

USDT or USDC across several networks

Fees: Free.

How to withdraw

Not described

Fees: Not published.

Supported assets: USDT and USDC.

Where Karta.io works

Not published. Karta.io notes strict geographic restrictions.

Check eligibility before signing up.

Global

Limits and perks

Limits

Personal card: $25,000 a day. Virtual cards: no published limits.

Perks

Up to 30 active virtual cards

Pros and cons

What's good

Many virtual cards for separate expenses
Free top-ups and no FX fee on the Freelancer plan

What's not

No Apple Pay or Google Pay on virtual cards
Mixed reviews about verification and suspensions
Country list not published

Our take on Karta.io

Karta.io is built for freelancers and small teams who need lots of virtual cards, one for each ad account, tool or client project. You fund them with USDT or USDC, and the Freelancer plan lists no monthly, top-up or FX fees.

The virtual cards don't work with Apple Pay or Google Pay, so they're for online spending. User reviews are mixed, with complaints about verification and account suspensions. Don't confuse it with Karta, a separate US credit card.

Useful for managing online business expenses, less so for everyday spending.

How we scored Karta.io: 5.1/10

Methodology

Fees 30%

8 Free issuance, top-ups and FX on the Freelancer plan.

Rewards 20%

2 No cashback on the business cards.

Control 20%

4 Custodial, mixed reviews.

Reach 15%

5 Country list not published.

Flexibility 15%

5 Up to 30 virtual cards.

Karta.io FAQ

How much does the Karta.io Virtual Visa cost?

Free on the Freelancer plan. Personal card $5. Annual or membership fee: No monthly fee.

Does Karta.io have cashback?

None on business virtual cards. Karta Personal card: check the app for current rewards. Its published fees are 1.5% per payment and 1 USDT plus 2.5% per ATM withdrawal.

What are the Karta.io FX and ATM fees?

FX: Free on the Freelancer plan. Karta Personal: 1.5% fee on every card payment, and Visa adds 1% on non-USD payments. ATM: Not applicable to virtual cards.

Where is Karta.io available?

Not published. Karta.io notes strict geographic restrictions. Check eligibility before signing up.

Is Karta.io self-custody?

Custodial (Karta.io account).

Sources

Karta Personal Help: feesPersonal card payment and ATM fees, checked Oct 17, 2026
cryptocards.so: Karta.ioPlans, fees, limits, reviews

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.