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A 4K graphics card is defined less by its name than by three numbers: memory capacity, memory bandwidth, and how well it upscales. Get those right and a card stays comfortable at 2160p for years; get them wrong and even a fast GPU stutters when a game streams in high-resolution assets.
Frame targets shape the spend. A steady 60fps at ultra is within reach of upper mid-range cards paired with DLSS or FSR, while 120fps-plus for high-refresh 4K panels is flagship territory. Ray tracing raises the bar again, since path-traced lighting is far heavier than raster and leans on upscaling and frame generation to stay smooth.