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DogPay Card vs Karta.io Card

Karta.io Card scores higher on the G2M score: 40/100 against 36/100 (#27 and #28 of 28 cards). Pick DogPay Card for a lower FX fee; pick Karta.io Card for control of your funds.

DogPay Card36

#28 of 28 · Not published back · annual fee none

Get DogPayRead the review
Karta.io Card40

#27 of 28 · Not published back · annual fee none

Get Karta.ioRead the review

The short answer

  • Karta.io Card scores higher on the G2M score: 40/100 against 36/100 (#27 and #28 of 28 cards).
  • Neither card publishes a cashback rate for its entry tier.
  • Neither card has an annual fee.
  • DogPay Card charges less on foreign currency: a 0.5% FX fee against 1%.
  • Neither card has confirmed a country we can count yet.
  • DogPay Card is custodial; Karta.io Card is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
DogPay Card
Karta.io Card
G2M score
36
40 (better)
Base cashback
Not published
Not published
Max cashback
Not published
Not published
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
0.5% (better)
1%
Top-up fee
1%
0% (better)
Per-purchase fee
1% + $0.3
1.5%
ATM
Physical card at supported ATMs; fee not published
1 USDT + 2.5% per withdrawal
Network
Visa / Mastercard
Visa
Card type
Prepaid
Prepaid
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
Unclear
UAE
Unclear
Unclear
United States
Unclear
No
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
Countries
Depends on your region and identity checks; no country list published
Not published; depends on local rules and card partners
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
No
Buy and sell crypto with fiat
Sell only
Buy only
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Yes
No
Tiers
Basic · Premium · Platinum · Ultra
Karta Personal
Perks
Personal USD account (ACH, Fedwire, SWIFT) · 6% a year on stablecoins (Earn) · Card top-up fee 1% · $10 per virtual card · Up to 2 cards
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, DogPay Card or Karta.io Card?

Karta.io Card scores higher on the G2M score: 40/100 against 36/100 (#27 and #28 of 28 cards). Pick DogPay Card for a lower FX fee; pick Karta.io Card for control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, DogPay Card or Karta.io Card?

Neither card has an annual fee. DogPay Card charges less on foreign currency: a 0.5% FX fee against 1%.

Which pays more cashback, DogPay Card or Karta.io Card?

Neither card publishes a cashback rate for its entry tier.

Which works in more countries, DogPay Card or Karta.io Card?

Neither card has confirmed a country we can count yet.

Who holds my funds with DogPay Card and Karta.io Card?

DogPay Card is custodial; Karta.io Card is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.

DogPay Card vs Karta.io Card: fees, cashback and countries compared · G2M