Karta Virtual Visa
by Karta.io
- Monthly fee
- Not listed
- Card fee
- Not listed
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- No
Our verdict
The Freelancer tier sits between personal and business accounts and allows up to 30 virtual cards. It suits individuals who manage several subscriptions and professional expenses, though prepaid cards may be rejected by some cloud providers and usage has strict geographic limits.
What we like
- +Up to 30 active virtual cards
- +Verification uses personal ID, with no business verification
- +US-based BINs for dependable online payments
- +Many blockchain networks supported
Watch out for
- −Some cloud providers may reject prepaid cards
- −Capped at 30 cards, fewer than the Business tier
- −Strict geographic restrictions on use
5.3/10
Editor score
Fair
4.0/10
User rating
Based on 28 sources
Lv 3
KYC Level
ID verification
Global
Availability
8 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- —
- Card Issuance
- —
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.0/10
Sourced from
Opinion is divided between a niche business use for ad-spend media buyers and a troubled consumer experience. The "0% commission" and "25% cashback" marketing is repeatedly called misleading: hidden fees can reach $5 or more per $100 for non-US users, and cashback is paid in an illiquid internal token called Karat that is earned only on referrals' spending, not your own. The co-branded IBKR Visa Infinite card prompted "data-grab scam" allegations on Reddit, driven by mandatory passport collection and forced API access to primary brokerage accounts before geographic eligibility is confirmed. The Android app holds a 3.0-star rating and reportedly crashes on flagship phones such as the Galaxy S24+. Privacy is the biggest concern, with heavy third-party data aggregation through Plaid and no clear data deletion process. The one clear positive is bulk virtual card issuance for advertising agencies that need isolated BINs at scale.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, BNB Chain, Polygon, Arbitrum, Optimism, Base, Solana
More cards from Karta.io
Frequently asked questions
Does the Karta Virtual Visa require KYC?
Yes. Karta.io asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Karta Virtual Visa charge?
The card has a monthly fee of not disclosed, an issuance fee of not disclosed. See the fee table above for ATM and decline fees.
Does the Karta Virtual Visa work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Karta Virtual Visa?
It is available in most countries, except Belarus, Cuba, Iran, North Korea, Russia, Syria, Ukraine, Venezuela.
Which cryptocurrencies does the Karta Virtual Visa support?
USDT, USDC.
Last updated August 19, 2026, verified August 6, 2026.