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
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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.
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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.
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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.
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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.
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Mobile wallet payments
You can add the virtual card to Apple Pay or Google Pay and pay with your phone.
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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.
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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.
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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.
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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
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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.
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Foreign currency fees Karma charges 1% FX on non-USD spend, and Visa may add an international network fee listed at around $0.30.
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Monthly subscription Karma charges no monthly subscription.
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Cross border fee Karma lists a 0% cross border fee in its current card terms.
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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
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Create your account
Download Karma from the App Store or use the official web app, then create an account and set a device passkey.
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Verify your identity
Complete KYC in the Verification section for the full card path. Prepare a government ID and recent proof of address.
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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.
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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.
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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
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@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
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Founded by Amrix, publicly known as @amrix_j, founded Karma Fintech LTD, the UK company behind Karma Card.
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; we couldn't find named VC backers. Karma says your balance is self-custodial, with exportable keys on your device, so the company does not hold your coins. We found no specific misconduct red flags, 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
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Based in Armenia
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Joined X May 2025 1 year ago
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Username changes 4 renames last on Aug 24, 2025
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Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Security scan checked Nov 13, 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.
This is an automated check, not a security audit. The summary is drafted from the project's own pages and public posts, and the domain is looked up on public blocklists. Nothing here is financial advice: only put in money you can afford to lose. How we review listings
Karma Card Updates
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Price Island is now live on Karma.
Markets never sleep. Neither does your Lock Screen.
Your coins, live in the Dynamic Island and on your Lock Screen. One glance, no app to open.
Now available on Karma for iPhone.- 3 replies
- 1 reposts
- 9 likes
- 616 views
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Tokenization supercycle confirmed.
In just one year, tokenized stocks have grown nearly 10x into a multibillion-dollar market:
→ 1 year ago: $485M
→ 6 months ago: $1.50B
→ 3 months ago: $2.86B
→ Now: $4.82B in market cap
First billions. Then trillions.
- 51 replies
- 104 reposts
- 609 likes
- 25.5K views
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It’s time to stop trading. And start thinking.
Agents are here, and with Karma, you will be able to test, iterate and scale these strategies, straight from your pocket.
Do you believe in a future where you let agents trade for you?- 1 replies
- 1 reposts
- 17 likes
- 839 views
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Karma now supports the all-new iPhone Duo.
Your portfolio on one side. The market on the other.
Everything you need to make your next move. 📈
- 2 replies
- 4 reposts
- 19 likes
- 1.4K views
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We’re building Karma to make crypto simpler, in Europe and beyond.
As part of reshaping our offering for these markets, we’re retiring our current USD card programme, effective today. We’re also exploring card options better suited to the needs of our users.
Our virtual accounts remain available, with support expanding across EUR, GBP and USD. Following our recent updates, we’ve seen growing demand for on-ramping, and we’re continuing to make moving money into crypto easier.
We’re building simpler access to DeFi and agentic trading, bringing more of what you can do with crypto into one app.
Karma is self-sustaining, and we’re continuing to build for the long term.
Remaining card balances will remain available through the Karma app. We’ll contact cardholders directly with the details.- 2 replies
- 1 reposts
- 21 likes
- 1.3K views
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Thank you for the mention. Bear = build. 💚
- 1 reposts
- 18 likes
- 1.2K views
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Robinhood Chain Supercycle.
- 52 replies
- 14 reposts
- 223 likes
- 8.7K views
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Tokenization works on Sundays.
Onchain finance never goes to bed.- 7 replies
- 4 reposts
- 104 likes
- 5.5K views
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Say goodbye to CEX
…and hello to Karma.- 5 replies
- 5 reposts
- 30 likes
- 1.6K views
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Every @solana swap in the Karma app now goes out as a v1 transaction through @dflow.
First one landed onchain this morning and you won't notice anything, which is kind of the point- 2 replies
- 4 reposts
- 18 likes
- 1.7K views
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X Layer is live on Karma.
Send your @XLayerOfficial tokens to your Karma wallet and trade them next to your Solana and Base positions.
If you want to see what's moving, Explore now has an X Layer view with the tokens that have real liquidity behind them.
- 1 replies
- 7 reposts
- 25 likes
- 1.7K views
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Stock traders, FX traders, a much bigger audience.
It’s time to bring them onchain.- 1 replies
- 2 reposts
- 11 likes
- 577 views
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Stock, index and commodity RWA perps.
We’ve been building something…
- 3 replies
- 6 reposts
- 26 likes
- 1.9K views
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The life of a stock.
Paper certificates. Shouting in the pit. Screens and brokers. Still closed at 4pm and every weekend.
Now stocks are going onchain: 24/7, fractional, global.
$4.34B tokenized, up 9.7x in a year.
Be more bullish.- 3 replies
- 21 reposts
- 92 likes
- 7.2K views
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The Robinhood Hub Trenches Tier List
The biggest builders, active plays, and early projects on Robinhood right now:
OGs
- @ponsdotfamily
- @Lighter_xyz
- @virtuals_io
- @bankrbot
- @longdotxyz
- @ArtificiallyInu
- @TradePools
- @arcus_xyz
- @TheIndexFi
- @orbiodotso
- @NetNetCap
- @ClutchMarkets
- @Hookrfun
Core Builders
- @Saffron
- @ArcadiaFi
- @fablesfi
- @uponrh
- @Rialto_xyz
- @bonercoinlong
- @longbowlend
- @standard_rsv
- @axol_io
- @shroom_network
- @deltaliquidity
- @ClawBankHQ
- @KarmaWallet
- @ProgrammableHQ
- @metricxyz
Active Plays
- @routedotfun
- @musebooklol
- @S_L_V_R_FUN
- @prismassets
- @pulldotfun
- @takopull
- @DenarMarkets
- @canopyfinance
- @isBacked_
- @v4dotfun
- @EARNONHOOD
- @ProjectVEXai
- @flapdotsh
- @crossfundxyz
- 44 replies
- 14 reposts
- 73 likes
- 4K views
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Limit orders for EVM are live since 19/09/26 btw.
- 1 replies
- 3 reposts
- 9 likes
- 522 views
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📈
- 2 replies
- 3 reposts
- 14 likes
- 1.2K views
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Your next trade starts with better information. 🧘♀️
- 2 replies
- 4 reposts
- 16 likes
- 1.2K views
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Mastercard knows.
- 1 replies
- 2 reposts
- 11 likes
- 1K views
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The world.
- 2 replies
- 4 reposts
- 17 likes
- 1K views
Karma Card Reviews & Comments
No reviews yet. Be the first to share your experience.
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Open the official site and get started in a few clicks.
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