Karma Card
Spend your self-custodied stablecoins at Visa merchants with Karma Card, using the same balance you trade with.
Karma crypto card: Stablecoin spending and fees
What is Karma Card?
Karma Card is a Visa crypto card for spending stablecoins from a self-custody wallet, with a base 0.5% spend fee and no monthly subscription.
Ready to try Karma Card?
Open the official site and get started in a few clicks.
Karma Card Overview
Karma Card is a Visa crypto debit card inside the Karma app. It suits people who already hold crypto and want to pay in shops or online from the same balance they use for trades. You keep that balance in a self custodial wallet, rather than hand custody of your coins to Karma.
You fund the app with supported crypto or bank transfers. After KYC, you can get named EUR, USD and GBP account details; incoming fiat converts into digital dollars in your wallet. You then spend from that balance at Visa merchants. The main draw is convenience: you can trade across supported chains and pay with the card without a separate card top-up.
Karma charges 0.5% per card purchase, with no monthly subscription. For non-USD purchases, Karma charges 1% FX, and Visa may add an international network fee listed at around $0.30. Holding $2,500 worth of $KARMA halves the service fee; holding $10,000 removes it. Those discounts apply to the service fee, so foreign currency costs still matter. Bank funding costs about 1%, while withdrawals to fiat cost about 0.5%, with transfer fees possible.
You earn Karma Points on card spending and swaps. A fixed cashback rate is not published, so don't treat points as guaranteed cash back. Check country eligibility and current fees in the app before you fund it. Karma makes most sense if you want to trade and spend from one crypto balance.
Karma Card Key features
-
Visa card spending
You can pay at Visa merchants online and in shops with the same stablecoin balance you use in the Karma app. Karma charges a 0.5% service fee per purchase, with no monthly subscription.
-
Self custody wallet
You keep your keys on your device with passkey security and can export them. Karma does not hold your coins, and you do not get bank deposit insurance.
-
Holder fee discounts
Karma halves the card service fee when you hold $2,500 in $KARMA and cuts it to zero at $10,000 held. You take on token price risk to qualify for these discounts.
-
Card spend points
You earn Karma Points on card purchases and swaps, with tier-based cashback benefits. The supplied details do not include a published cashback rate.
-
Mobile wallet payments
You can add the virtual card to Apple Pay or Google Pay and pay with your phone.
-
Instant payment alerts
You get instant push alerts when a merchant requests payment or you receive a refund. You also get alerts for declined payments.
-
Named bank accounts
After KYC, you can get a EUR IBAN and local account details for USD and GBP in your name. Through regulated partners, you can send fiat into your wallet and receive digital dollars.
-
Shared app balance
You can trade across Solana, Base, Ethereum and Robinhood Chain, then spend with the card from the same app balance. You do not need to choose a source chain for each trade.
-
Non-USD payment fees
Karma charges 1% FX on non-USD purchases, separate from the card service fee. Visa may also charge an international network fee listed at around $0.30.
Download Karma Card App For Android And iOS
Download Karma Card and start spending crypto from your phone — available on Android and iOS.
Karma Card Fees
-
Card service fee Karma charges 0.5% per spend, with half off for holders of $2,500 in $KARMA and no service fee for holders of $10,000.
-
Foreign currency fees Karma charges 1% FX on non-USD spend, and Visa may add an international network fee listed at around $0.30.
-
Monthly subscription Karma charges no monthly subscription.
-
Cross border fee Karma lists a 0% cross border fee in its current card terms.
-
Payment penalties Karma's card terms list late payment fees up to $40 and returned payment fees up to $29 if those events apply.
Karma Card Supported networks
Solana
Base
Ethereum
Robinhood Chain
How to use Karma Card
-
Create your account
Download Karma from the App Store or use the official web app, then create an account and set a device passkey.
-
Verify your identity
Complete KYC in the Verification section for the full card path. Prepare a government ID and recent proof of address.
-
Fund your balance
Add funds by sending supported on-chain tokens to the app or by sending fiat to the account details Karma gives you.
-
Activate the card
Open the card section and activate the Visa spend card when Karma offers it. You can add the virtual card to Apple Pay or Google Pay if you use those wallets.
-
Make your first payment
Use the card at a Visa merchant, in a shop or online. The payment comes from your Karma balance, and a push alert shows the authorization.
Karma Card Demo video
Karma Card Screenshots
Karma Card User Reviews
-
@KarmaWallet gotta be the best on Robinhood chain rn. A wallet that allows me to trade RH, BASE and $SOL. Also spend my gains with the Karma Visa with great cashback
View on X ↗ -
Lmao you still using Fomo?? Thought we all shifted to @KarmaWallet which was also on Robinhood and wallet was so slick and good Maybe you should check it out
View on X ↗ -
genuinely didn't have to read this finish and i get it zerion was close to this for me but this is the best solution to a true superapp that reduces the friction of crypto activities first product i've seen w a good use today @KarmaWallet give this man his flowers.
View on X ↗
Karma Card Review
Pros
- You pay no monthly subscription fee.
- You can spend at Visa merchants from the same app balance you use for trades.
- You keep your wallet keys on your device and can export them anytime.
- You earn Karma Points on card purchases, though no fixed cashback rate is published.
- Holding $2,500 in $KARMA cuts the 0.5% card service fee to 0.25%, while holding $10,000 removes that fee.
- You can add the virtual card to Apple Pay or Google Pay.
Cons
- Karma charges a 0.5% service fee per purchase at the base tier.
- You pay 1% FX on non-USD purchases, and Visa may add an international network fee.
- You must hold $10,000 worth of $KARMA to remove the service fee, exposing you to token price risk.
- Karma does not publish a fixed cashback rate in the supplied details.
- Karma provides no deposit insurance for your wallet balance.
- You must complete KYC for full card access.
- You are responsible for access to your self custody wallet.
Our verdict
I'd carry Karma Card for existing crypto spending if I wanted self custody. Base spending costs 0.5%, plus 1% FX on non-USD purchases. Visa may add around $0.30; fiat funding costs about 1% before conversion spreads. Karma lists bank FX spreads around 0.50%; card conversion spreads aren't specified here. I'd feel better once Karma publishes all-in conversion quotes and firm cashback rates.
Karma funding
-
Founded by Amrix, publicly known as @amrix_j, founded Karma Fintech LTD, the UK company behind Karma Card; the raw data does not state their professional background.
Is Karma Card safe & legit?
Karma Card has a named UK operator, Karma Fintech LTD, founded by Amrix (@amrix_j), and says Third National issues its Visa cards through Rain; no named VC backers are disclosed in the supplied data. Karma says your balance is self-custodial, with exportable keys on your device, so the company does not hold your coins. No specific misconduct red flags appear in the supplied data, but that is not proof of safety: you have no deposit insurance, and partners can freeze card access after KYC checks or suffer outages.
X account intel @KarmaWallet
-
Based in Armenia
-
Joined X May 2025 1 year ago
-
Username changes 4 renames last on Aug 24, 2025
-
Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Security scan checked Oct 11, 2026
- Google Web Risk Not flagged
- MetaMask Not flagged
- Phantom Not flagged
- ScamSniffer Not flagged
- EtherAddressLookup Not flagged
- Keplr Wallet Not flagged
Domain trykarma.app checked against Google's lists of unsafe sites and public crypto wallet blacklists.
Karma Card Updates
-
Building the next generation of finance, one release at a time.
Thanks for featuring us, @RobinHubHB.- 1 replies
- 3 reposts
- 13 likes
- 746 views
-
Green is the chain. 💚
- 1 replies
- 4 reposts
- 18 likes
- 925 views
-
Your first look at Karma Web.
Trading agents that start with your strategy: describe it, backtest it, then run it from a wallet you fund.
Catch the first walkthrough and see how invite-only access works 👇- 7 reposts
- 26 likes
- 1.1K views
-
Prediction markets, now inside Karma.
Welcome, @itsovercall 🤝
Make your calls right next to your trades, with the same wallet and without leaving the app.1 more in this thread
Disclaimer: Overcall is an independent third-party app. Its listing in Karma is not an endorsement, and Karma does not operate, control or guarantee its markets, odds or payouts.
Prediction markets involve risk and you can lose what you put in. Availability depends on your region. Nothing here is financial advice.
- 5 replies
- 4 reposts
- 37 likes
- 2K views
-
Tomorrow at 19:00 CEST our founder @amrix_j goes live on X. We'll walk through Karma Web, show what we're building next, incl. RWA, agentic actions, and answer whatever you throw at us, so bring your questions.
- 3 reposts
- 21 likes
- 1.2K views
-
Never forget the hood.
- 1 replies
- 18 likes
- 899 views
-
At first they’ll call it a scam.
Then they’ll call it the technology powering the future of finance.- 26 replies
- 30 reposts
- 236 likes
- 7.6K views
-
Global markets in your pocket. AI putting your ideas to work.
A shared vision for where finance goes next. Let's cook, @virtuals_io 🤝- 1 replies
- 4 reposts
- 28 likes
- 1.4K views
-
We're giving out Karma web invites this week.
Reply with the first thing you'd trade on it and we'll DM codes to some of you over the weekend. 🔮
- 17 replies
- 9 reposts
- 38 likes
- 2.5K views
-
What comes after tokenized stocks meet AI?
- 2 replies
- 2 reposts
- 19 likes
- 1.3K views
-
Mark the words.
- 3 replies
- 2 reposts
- 26 likes
- 1.8K views
-
Trade. Earn. Claim.
Every trade on Karma pays you back in Tokenized Stocks, and holding $KARMA can unlock up to 90% cashback on your fees.
Claim it from Rewards in one tap.1 more in this thread
Invite friends and earn 25% of the net fees from their trades, auto-paid to your wallet.
They get 10% off every swap fee. No caps, and no expiry.
- 7 replies
- 7 reposts
- 37 likes
- 3.1K views
-
👀
- 1 reposts
- 18 likes
- 1.3K views
-
Your next wallet doesn't just hold your bags, it learns from them.
- 1 replies
- 3 reposts
- 19 likes
- 1.5K views
-
Engines of creation.
- 2 reposts
- 15 likes
- 1.5K views
-
The onchain web now lives inside Karma.
Open @Uniswap, @ponsdotfamily, @JupiterExchange or @aave, connect your Karma wallet when you choose, and sign every request in a native sheet.
Nothing connects without you.- 4 replies
- 7 reposts
- 38 likes
- 2.8K views
-
Virtuals is the home for agents. 👀
- 2 replies
- 4 reposts
- 48 likes
- 3.6K views
-
The all-new Sidekick AI is here.
Your AI trading companion now has a face, reacts while it thinks, and answers anything about your portfolio in seconds.
Free to try in Karma today. $KARMA utility incoming.- 6 replies
- 12 reposts
- 41 likes
- 4.1K views
Karma Card Reviews & Comments
No reviews yet. Be the first to share your experience.
Karma Card alternatives
Other crypto cards worth comparing. Check the fees and the cashback before you pick one.
-
Compare
Lemon Card
Spend local currency or crypto with Lemon Card at Visa merchants and earn Bitcoin cashbac…
-
Compare
Kast card
Holding stablecoins won't buy groceries until Kast card turns that USDC or USDT balance i…
-
Compare
Encrypto Card
Pay Visa merchants from your crypto balance with Encrypto Card while keeping control of y…
-
Compare
Cashi Card
Spend USDT or USDC held by Cashi at merchants that accept Visa with Cashi Card.
Recommended reading
In-depth guides for Crypto Cards — get more out of tools like Karma Card.
-
Crypto Referral & Invite Codes
Tuyo Card Referral Code And Invite Code: "BOOST"
Tuyo Card Referral Code is "Boost". What it gives you, how the $10 voucher works, and what the self custodial Visa charges on eve…
6 min read -
Crypto Referral & Invite Codes
Kast Card Codes: Referral Code, Coupon Code And Unlock
Which Kast code goes where? Referral and invite codes at signup, coupon codes at checkout, plus cashback rates, fees and the rewa…
4 min read
Ready to try Karma Card?
Open the official site and get started in a few clicks.
Leave a comment