Karma Card
Crypto super app with a non-custodial wallet, one stablecoin balance and a Visa card powered by Rain and issued by Third National. Incoming USD, EUR and GBP are converted to crypto by Bridge.
Base cashback
Max cashback
Base fee
FX fee
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- Self-custody: funds stay in your own wallet
Cons
No disadvantages derived from the published data yet.
Good for
- People who want to keep control of their keys
Not for
Not enough data to say.
Risks to understand
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Karma Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees0/15
No fees data published or researched yet.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets0/11
No features data published or researched yet.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product5/7
- Product status
ActiveShow source
- Card type
Stablecoin cardShow source
- Network
VisaShow source
- Custody model
Self-custodyShow source
- Card issuer / program manager
Third National; card programme powered by RainShow source
Not yet researched: Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees | 20% | No data — excluded |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features | 10% | No data — excluded |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 3 of 3 checked key terms disclosed | 5% | 100 |
Data coverage 15%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Is Karma Card self-custodial?
Self-custody.
Change history5 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved