In Spanish, carta and tarjeta refer to two distinct kinds of written communication, each used in different contexts:
  • carta: a letter, typically handwritten or typed, used for formal or personal correspondence.
  • tarjeta: a card used for various purposes, including greeting cards, credit cards, or postcards.
*carta* is a written letter used for formal or personal correspondence.
*tarjeta* means 'card' and can refer to credit cards, greeting cards, or postcards.

Definitions

  • Carta: (feminine noun) A letter; a piece of written or printed communication sent from one person to another, often by mail.
  • Tarjeta: (feminine noun) A card; a small, flat piece of stiff paper or plastic used for various purposes such as sending greetings, making payments, or identification.
Both *carta* and *tarjeta* are feminine nouns.

Usage of carta

A carta is typically a formal or informal letter exchanged between people. It can be handwritten, typed, or even emailed in some contexts.
  • Used for personal, business, or official correspondence.
  • Implies a longer, more detailed message compared to a note or card.
Examples:
  • Recibí una carta de mi amigo en España. (I received a letter from my friend in Spain.)
  • Envié una carta de solicitud para el trabajo. (I sent a job application letter.)
*carta* is used when sending or receiving a letter or written correspondence.

Usage of tarjeta

A tarjeta is a card used in various forms of communication or transactions. It can be a greeting card, credit card, membership card, or even a postcard.
  • Tarjeta de felicitación: greeting card.
  • Tarjeta de crédito: credit card.
  • Tarjeta postal: postcard.
Examples:
  • Compré una tarjeta de cumpleaños para mi hermano. (I bought a birthday card for my brother.)
  • Necesitas una tarjeta de crédito para pagar. (You need a credit card to pay.)
You would use *tarjeta* for a birthday card.
Common types of *tarjeta* include *tarjeta de crédito*, *tarjeta de felicitación*, and *tarjeta de presentación*.

Summary

WordMeaningUsageExample (ES)Example (EN)
CartaLetterWritten correspondenceEnvié una carta ayer.I sent a letter yesterday.
TarjetaCardGreeting card, credit card...Tengo una tarjeta nueva.I have a new card.

Conclusion

carta and tarjeta are not interchangeable in Spanish. Use carta for letters and tarjeta for cards.
  • carta = letter (written communication)
  • tarjeta = card (greeting card, credit card, etc.)