Karta is a new credit card designed for high-net-worth individuals living a global lifestyle. It is a U.S.-issued card that offers 24/7 concierge assistance at the tap of a WhatsApp message, capable of handling everything from exclusive reservations to complex arrangements anywhere in the world.
This fintech operates under a partnership model with banks through BIN sponsorship schemes and holds Visa and Mastercard licenses, ensuring global acceptance and full regulatory compliance.
“Our credit lines are tailored to the client’s actual wealth and capacity, offering significantly higher limits than those available in local markets,” explains Freddy Juez. “While other solutions in the region offer debit, Karta is real credit issued in the U.S. It also allows for financing large purchases, accessing exclusive benefits, and maintaining a global experience with universal acceptance. Compared to Amex IDC, Karta offers lower costs, better acceptance in Europe, and a more flexible payment structure. And all this, without the need for an SSN or complex paperwork.”
Karta sets credit limits based on the assets managed by its U.S. financial institution; clients must maintain a minimum balance of $50,000. The available credit line can reach up to $200,000.
A Global Need in a De-Globalizing World
Theoretically, we are entering an era of de-globalization. But everyday life tells a different story: “In many Latin American countries where local currencies are not very strong, people continue to look for ways to save and invest in the largest and most stable market in the world: the United States. That’s why, despite the de-globalization context, we see a clear trend: demand for credit products and financial access in the U.S. is not only holding steady—it’s growing,” says the brand’s founder and CEO.
Karta’s Differentiation
The world of credit cards is broad and complex. Understanding what each provider offers and comparing options with real data can be a full-time job.
According to an article in The Wall Street Journal, JPMorgan Chase raised the annual fee for its Sapphire Reserve card from $550 to $795, and American Express increased the annual fee for its Platinum card from $695 to $895.
Karta’s revenue model is based on three pillars: interchange fees (generated from daily card usage), interest (applicable when the client chooses to finance part of their balance), and annual fees (the card’s yearly membership fee is around $300).
When it comes to setting itself apart from the competition, Karta does not rely solely on access to U.S. credit: “What’s most relevant about Karta is its WhatsApp concierge service. Everything happens in one channel: the client receives notifications, personalized assistance, and can manage any need—from blocking the card to booking hotels, restaurants, or flights—simply by sending a message or voice note,” explains Freddy Juez.
Karta’s mission is to make life easier for its users, offering an experience where technology and human attention blend seamlessly. For example, a client can book a flight directly via WhatsApp and, if something happens—a cancellation, delay, or change—the Karta team handles it instantly.
“In addition, when booking flights or hotels through our portal, prices are as competitive as on platforms like Expedia or Booking, but with the major difference that Karta offers human support when things don’t go as planned. That’s the kind of value usually provided by premium travel agencies, but now, with Karta, it’s integrated directly into your credit card. With a single message, you get the best of both worlds,” says the expert.
“It’s built to evolve with the client, eventually offering a broader range of financial and lifestyle products that support every aspect of their global life,” he adds.
Security and Evolution
Karta states that its solution is built on the highest financial standards. All transactions are protected with advanced tokenization, biometric authentication, and real-time monitoring. Additionally, every transaction generates an automatic WhatsApp notification, where users can access instant card-blocking options or smart financing with a high-value expense management tool.
What technological developments is this young fintech closely watching? “Blockchain, digital identity, and payment systems based on stablecoins are the innovations that excite us the most. Tokenization eliminates risks, digital identity simplifies compliance, and stablecoins allow for frictionless cross-currency operations. Together, they represent the future of international banking,” says Freddy Juez without hesitation.
Karta’s Most Notable Feature: WhatsApp Concierge Service
Everything happens in a single channel: the client receives notifications and personalized assistance.
A Fintech Built on Technology and Banking Partnerships
“Karta has gone through very distinct growth stages,” explains its founder.
The company’s first major milestone was the launch of a closed user group—an initial phase focused on validating the full experience: from card issuance to WhatsApp-based service. This phase helped fine-tune the interaction between technology, service, and real customer behavior, reinforcing the promise of a premium, frictionless experience.
The second key moment was the creation of intelligent assistants. Each client is supported by a multi-agent operation that learns from their behavior over time. Thanks to its proprietary large language model (LLM), Karta’s AI agents can anticipate needs and provide truly personalized service. This is essential for travel card-type products, where spending patterns are intermittent—a client may be inactive for months and then make large transactions within hours. At Karta, the assistant already understands those behaviors, ensuring continuity and preventing any unnecessary interruptions or blocks.
“Lastly, a milestone that confirms our execution capacity has been the rapid expansion of banking partnerships. Today, we have more than 25 partner banks—a remarkable achievement in such a short time, reflecting institutional trust and the quality of the product we’re building,” asserts Freddy Juez.
As a company, Karta has no ceiling—its business is designed for anyone with assets in the United States, regardless of where they live. The firm’s current focus is Latin America and Europe, where it holds the majority of its client base.
“Blockchain, digital identity, and stablecoin-based payment systems are the innovations that excite us the most. Together, they represent the future of international banking.”
