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; 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
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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.
Karma Card Updates
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Good things take time.- 1 replies
- 17 likes
- 1.4K views
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Introducing Limit Orders on Robinhood Chain.
Markets move fast. You don’t have to.
Set your price, place your order, and let the market come to you.
Now available on Karma.1 more in this thread
How it works:
1. Choose a token on Robinhood Chain
2. Set your target price and amount
3. Place your limit order
4. Track or cancel it anytime inside Karma
Your order remains open until it fills, expires, or you cancel it. No need to watch the chart waiting for the right entry.
Download the app: http://trykarma.app- 21 replies
- 17 reposts
- 78 likes
- 10.8K views
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👀
- 1 reposts
- 19 likes
- 1.6K views
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The more robinhood:0xb47f4702deb124cb4eb6286be83c9d84277c6239 you hold, the higher your rewards.
Choose where your cashback goes: robinhood:0xb47f4702deb124cb4eb6286be83c9d84277c6239, NVIDIA, Tesla, Apple, or a basket of tokenized stocks.
Trade crypto, build an RWA portfolio.
Download Karma: http://trykarma.app
- 3 replies
- 8 reposts
- 59 likes
- 3.1K views
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Trade (and earn stocks) 🫱🏼🫲🏾
Powered by robinhood:0xb47f4702deb124cb4eb6286be83c9d84277c6239 on @virtuals_io- 6 replies
- 5 reposts
- 28 likes
- 2.4K views
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Introducing Karma V2: Trade crypto & earn stocks.
Today, the SEC opened a new path for tokenized stock trading.
Your next move starts with Sidekick AI.
Live on iOS. Rolling out on Android.1 more in this thread
Your next crypto trade could earn you NVIDIA.
Choose tokenized stocks for your cashback, and explore your next move with Sidekick AI, now in preview. Powered by our native token robinhood:0xb47f4702deb124cb4eb6286be83c9d84277c6239.
Karma 2.0 is live on iOS. Rolling out on Android.
Download → https://trykarma.app/
- 22 replies
- 18 reposts
- 142 likes
- 34K views
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It is time.
- 2 replies
- 5 reposts
- 27 likes
- 1.2K views
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It is time, for agentic assisted trading of tokenized stocks.
RWA x AI- 1 replies
- 3 reposts
- 20 likes
- 1.9K views
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AI will earn good Karma
- 2 reposts
- 28 likes
- 1.8K views
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Tomorrow 🤖
- 7 replies
- 9 reposts
- 51 likes
- 4.9K views
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Crypto doesn’t sleep.
- 2 replies
- 19 likes
- 2K views
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AI × RWA. Built on Robinhood Chain.
Powered by robinhood:0xb47f4702deb124cb4eb6286be83c9d84277c6239- 8 replies
- 15 reposts
- 49 likes
- 6.5K views
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AI agents need markets to act on.
Tokenization opens up the investment universe.
That’s the opportunity behind agentic investing. That’s where we’re taking robinhood:0xb47f4702deb124cb4eb6286be83c9d84277c6239.- 21 replies
- 6 reposts
- 49 likes
- 3.4K views
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We couldn’t agree more. 🔜
- 2 replies
- 1 reposts
- 23 likes
- 2.1K views
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Everyone could use someone in their corner.
Or one swipe away 👀- 1 replies
- 3 reposts
- 19 likes
- 783 views
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Made for a wider world of investing.
V2 is on its way.- 5 replies
- 7 reposts
- 35 likes
- 4.3K views
Karma Card Reviews & Comments
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