.png)
IBKR Karta Visa Infinite Card Review: Worth the $300 Fee?
Interactive Brokers has entered the broker card market with the Karta Visa Infinite, a premium credit card that links directly to your IBKR brokerage account. Launched in late October 2025, this card positions itself as a solution for high-net-worth investors who want seamless access to their brokerage funds while travelling or making everyday purchases.
After analysing the card's features, fees, and eligibility requirements, we think it's a solid addition to Interactive Brokers' product suite. It shows IBKR is keeping pace with competitors like Trading 212 and eToro, both of which have their own card offerings. That said, the $50,000 minimum balance requirement and $300 annual fee make this a card suited only for serious investors with substantial portfolios.
What is the IBKR Karta Visa Infinite Card?
The IBKR Karta Visa Infinite is a US credit card issued through a partnership between Interactive Brokers and Karta. Unlike traditional credit cards, this one connects directly to your IBKR brokerage account, allowing you to spend your cash balances without first transferring funds to a separate bank account.
It's positioned at the premium Visa Infinite tier, which is typically reserved for cards with annual fees of $400 or more. The card comes with a 17-gram metal construction and includes the usual Visa Infinite perks like luxury hotel benefits, comprehensive travel insurance, and Priority Pass lounge access.
Key Features and Benefits
The IBKR Karta Visa Infinite combines brokerage account integration with premium credit card benefits. Here's what we found most notable during our analysis.
Direct Brokerage Integration
The standout feature is the seamless connection to your IBKR account. Your monthly card payments are automatically settled from your brokerage balance, eliminating the need to transfer money between accounts. If you don't have enough cash to cover a purchase, you can effectively borrow on margin from your brokerage account at IBKR's competitive rates (as low as 4.37% APR for IBKR Pro clients).
This integration also means you continue earning interest on uninvested cash, currently up to 3.37% annually. Your card balance essentially comes from money that's already working for you.
No Foreign Transaction Fees
For investors who travel internationally or make purchases in foreign currencies, the card charges zero foreign transaction fees. This is particularly valuable given IBKR's global client base and the platform's focus on international trading.
Priority Pass Lounge Access
Cardholders receive Priority Pass Select membership, granting access to over 1,300 airport lounges worldwide. IBKR hasn't published specific details about visit limits or guest policies, so you'll want to confirm these details in your cardholder materials upon approval.
Visa Infinite Travel Protections
The Visa Infinite tier includes comprehensive travel insurance coverage. Based on information from Karta, the card offers emergency medical coverage up to $1.5 million for international travel, baggage delay coverage up to $600, baggage loss coverage up to $3,000, price protection up to $4,000 per claim, purchase protection up to $20,000, global auto rental insurance, and access to the Visa Luxury Hotel Collection.
WhatsApp Concierge Service
An unusual but potentially useful feature is 24/7 customer support via WhatsApp. You can track spending, send money, pay bills, and submit global VAT refund claims directly through the messaging app. This digital-first approach may appeal to tech-savvy investors, though some users might prefer traditional phone or email support.
Instant Virtual Card
Once approved, you can immediately add a virtual card to Apple Pay or Google Wallet while waiting for your physical metal card to arrive. This means you can start using the card within minutes of approval.
Fees and Eligibility Requirements
Here's where the IBKR Karta Visa Infinite becomes less accessible for the average investor.
Annual Fee
The card carries a $300 annual fee. However, if you apply before January 15, 2026, the first year's fee is waived, giving you time to evaluate whether the benefits justify the ongoing cost.
Minimum Balance Requirement
You must maintain at least $50,000 in assets in your IBKR brokerage account to be eligible. This is the most significant barrier to entry and limits the card to more established investors.
Credit Limit
The card offers credit limits up to $200,000, linked to your US-based assets. This is substantially higher than most consumer credit cards and reflects the card's target market of high-net-worth individuals.
Geographic and Citizenship Restrictions
The Karta Visa Infinite is a US credit card available to IBKR LLC clients. Citizens of China, Russia, and Venezuela are currently ineligible to apply.
How to Apply for the IBKR Karta Visa Infinite
The application process is straightforward if you're already an Interactive Brokers client with sufficient assets.
Rewards Programme
The card earns Karta Points on every purchase, which can be redeemed through the WhatsApp concierge for travel rewards like preferred airlines and hotels. However, neither Interactive Brokers nor Karta has published a specific earn rate for this card, which is a notable omission.
Without knowing whether you earn 1 point per pound, 2 points, or some other rate, it's difficult to assess the card's value for everyday spending. We'd recommend confirming the rewards structure in your cardholder materials before making the card a primary spending tool.
How Does It Compare to Other Broker Cards?
The broker card space has become increasingly competitive. Here's how the IBKR Karta Visa Infinite stacks up against alternatives.
Trading 212 Card
The Trading 212 card takes a very different approach with no annual fee and a much lower barrier to entry. While it lacks the premium Visa Infinite benefits, it offers cashback rewards and no FX fees. For most retail investors, Trading 212's offering provides better value, especially if you don't have $50,000 to park in a brokerage account.
eToro Debit Card
The eToro Visa debit card also comes without an annual fee and offers straightforward access to your eToro balance. It includes cashback on spending but doesn't match the travel benefits of the IBKR card. For casual investors who want convenient account access, eToro's card is more practical.
Our Verdict on Competitor Comparison
The IBKR Karta Visa Infinite is clearly positioned as a premium product targeting affluent investors. If you're comparing purely on accessibility and value for money, competitors like Trading 212 and eToro win. But if you're already using IBKR with substantial assets and value premium travel perks, this card fills a gap that didn't exist before.
Our Overall Assessment
We're pleased to see Interactive Brokers expanding its product offering with the Karta Visa Infinite. It demonstrates that IBKR is committed to becoming a more comprehensive financial platform, not just a trading destination. For a broker known for catering to active and professional traders, adding everyday spending capability makes sense.
That said, we feel the $50,000 minimum balance and $300 annual fee are steep for what you get. The lack of published rewards rates is also disappointing, as it makes it harder to calculate whether the card offers genuine value beyond the convenience of brokerage integration.
The card makes the most sense for existing IBKR clients who already maintain significant balances and frequently travel internationally. If you fit that profile, the first-year fee waiver gives you a risk-free opportunity to test the card. For everyone else, more accessible options from brokers like Trading 212 and eToro may be worth considering first.
If you're still deciding which broker is right for your needs, our broker matching tool can help you compare options based on your specific requirements. You can also explore all available promotions on our bonuses page or read our full Interactive Brokers review for more details on the platform's trading features.
Frequently Asked Questions
What is the minimum balance required for the IBKR Karta Visa Infinite?
You need at least $50,000 in assets in your Interactive Brokers LLC brokerage account to be eligible for the Karta Visa Infinite card.
How much is the annual fee?
The annual fee is $300. However, if you apply before January 15, 2026, the first year's fee is waived.
Does the card charge foreign transaction fees?
No, the IBKR Karta Visa Infinite has zero foreign transaction fees, making it suitable for international spending.
What airport lounges can I access with this card?
The card includes Priority Pass Select membership, providing access to over 1,300 airport lounges worldwide. Specific visit limits and guest policies should be confirmed in your cardholder agreement.
How do I earn rewards with this card?
The card earns Karta Points on purchases, redeemable via WhatsApp for travel rewards. However, the specific earn rate hasn't been publicly disclosed by Interactive Brokers or Karta.
Can UK residents apply for this card?
The Karta Visa Infinite is currently a US credit card issued to IBKR LLC clients. Availability for international residents may vary, so check eligibility requirements when applying.
How does the card connect to my brokerage account?
Monthly card payments are automatically settled from your IBKR account balance. If you don't have sufficient cash, you can effectively borrow on margin at IBKR's competitive rates.
When investing, your capital is at risk. This marketing content is provided by a paid Influencer of Interactive Brokers. Influencer is not employed by, partnered with, or otherwise affiliated with Interactive Brokers in any additional fashion. Influencer is a customer of Interactive Brokers. Interactive Brokers and Influencer have entered into a cost-per-click agreement under which Interactive pays Influencer a fee for each clickthrough of the Interactive Brokers URL posted herein. This content represents the opinions of Influencer, which are not necessarily shared by Interactive Brokers. The experiences of the Influencer may not be representative of other customers, and nothing within this content is a guarantee of future performance or success. Interactive Brokers provides execution and clearing services to its customers. Interactive Brokers makes no representation and assumes no liability to the accuracy or completeness of the information provided in this Influencer communication. None of the information contained herein constitutes a recommendation, offer, promotion, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Investing involves risks. Investors should obtain their own independent financial advice and understand the risks associated with investment products and services before making investment decisions. Risk disclosure statements can be found on the Interactive Brokers website.
