XPlace Card vs Karma Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. XPlace Card scores higher overall (8.6 vs 8.5), but the better pick depends on what you need.
XPlace Card
by XPlace
8.6editor score 6.7/10
Pick XPlace if you want a card that
- ✓also comes as a physical card
- ✓works with Apple Pay
- ✓works with Google Pay
Karma Card
by Karma Wallet
8.5editor score
Pick Karma if you want a card that
- ✓fits your country and coins
Side by side
| XPlace | Karma | |
|---|---|---|
| Editor score | 8.6/10Better | 8.5/10 |
| User rating | 6.7/10 | Not rated |
| ID check | ID verification | ID verification |
| Card fee | Not listed | Free |
| Monthly fee | Free | Free |
| Top-up fee | 1% | Not listed |
| FX fee | Not listed | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual and physicalBetter | Virtual |
| Network | Mastercard | Visa |
| Apple Pay | YesBetter | No |
| Google Pay | YesBetter | No |
| Coins | 2 | 2 |
XPlace: pros and cons
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
Karma: pros and cons
- +Self-custody with real IBANs and routing numbers
- +Fast Solana wallet with instant settlement
- +Real-time FX and no hidden fees
- +Euros and crypto managed in one place
- −Newer platform with little track record
- −Mostly Solana-focused, with limited multi-chain support
- −Focused on Europe and the SEPA region
- −Assumes some understanding of crypto banking
Questions
Is XPlace Card or Karma Card better?
XPlace Card has the higher editor score (8.6/10). XPlace also comes as a physical card, works with Apple Pay and works with Google Pay.
Which is cheaper, XPlace or Karma?
XPlace charges an unlisted fee to open and 1% per top-up. Karma charges free to open and an unlisted fee per top-up. The top-up fee matters most if you load larger amounts.
Do XPlace and Karma require KYC?
XPlace: yes, id verification. Karma: yes, id verification.
Do XPlace and Karma work with Apple Pay?
XPlace works with Apple Pay and Karma does not work with Apple Pay.