Karma Card vs Altitude Card
On cashback Altitude Card wins (up to 2%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Altitude Card does better (0% vs 3%). In our editorial rating Altitude Card leads (4.0 vs 3.0). In short: Karma Card if your usage matches its strength, Altitude Card otherwise — the numbers above beat any slogan.
| Karma Card | Altitude Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.0 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | Prelievi ATM non documentati | Non divulgato |
| ATM withdrawal | not declared | Free |
| FX markup | 3% | 0% |
| Cashback | Not disclosed | 2% · Nessuno |
| Chains | Solana, Ethereum, Base, Polygon | Solana |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 4/10 |
| Supported countries | US, UK, EEA | US, EEA, UK, APAC, LATAM, MENA, AFRICA |
| Funding / solidity | Karma Pay è una neobank on-chain che offre conti bancari reali (IBAN e routing number), carte di pagamento e pagamenti istantanei su rail self-custody, unendo banca tradizionale e DeFi in un unico wallet. | Altitude è il prodotto di Squads (entità legale Selimor Investments Limited), fintech su infrastruttura stablecoin Solana con sede a New York; certificazione SOC 2 Type I. |
| Regulator | Bridge (a Stripe company) - card-issuing infrastructure | Nessuna licenza propria; opera tramite PSP regolati partner (Bridge, MoonPay, Infinite, Due) |
| OAM Italy registration | No | — |
| Segment | B2C | B2B |
| Regions | US, UK, EU/EEA | US, EU/EEA, UK, APAC, LATAM, MENA, Africa |
| Licences & safety | Bridge (a Stripe company) card-issuing infrastructure | Nessuna licenza propria: opera tramite una rete di Payment Service Provider (PSP) regolati partner (Bridge, MoonPay, Infinite, Due) |
Frequently asked questions
Karma Card vs Altitude Card: which is better?
On cashback Altitude Card wins (up to 2%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Altitude Card does better (0% vs 3%). In our editorial rating Altitude Card leads (4.0 vs 3.0). In short: Karma Card if your usage matches its strength, Altitude Card otherwise — the numbers above beat any slogan.
Which is cheaper, Karma Card or Altitude Card?
On the standard spending profile Karma Card has the lowest net annual cost: €0 versus €0 for Altitude Card.
Which offers more cashback, Karma Card or Altitude Card?
Altitude Card has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Karma Card custodial or self-custody?
Karma Card is self-custody: you keep the keys, while Altitude Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending Altitude Card wins, with the lowest FX markup: 0%.