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RTX 3090 vs RTX 4090 for AI: Which to Pick in 2026

Same VRAM, two architectures apart. The RTX 3090 (Ampere, 2020) and the RTX 4090 (Ada Lovelace, 2022) both ship 24 GB of memory, so the model-fit envelope is identical. The differences live in throughput and number formats — and that’s what makes the price gap a real decision.

TL;DR

The RTX 3090 at £159/mo is 45% cheaper than the RTX 4090 at £289/mo, and they fit the same models (24 GB each). The 4090 is roughly 30% faster on FP16 and ships native FP8 hardware the 3090 doesn’t have. Rule of thumb: pick the 3090 if FP16/INT8 is your serving format; pick the 4090 if you want FP8 throughput or future-proofing against FP8-native models. Cost per million tokens lands at £0.16 (3090 FP16), £0.20 (4090 FP16), and £0.17 (4090 FP8) at 60% utilisation.

What’s the same

  • 24 GB VRAM on both cards — same model-fit envelope. A 13B FP16 model fits with KV-cache headroom on either; a 70B AWQ-INT4 fits on neither (you need an RTX 6000 Pro 96 GB or dual-card setup for that).
  • Datacentre form factor at GigaGPU — both deploy as single-card baremetal nodes with the same NVMe, networking, and power envelope.
  • PCIe Gen 4 x16 host interface — identical bandwidth to the host, so multi-card model parallelism scales the same way.
  • CUDA compute capability is close enough that almost every framework (vLLM, TensorRT-LLM, llama.cpp, ComfyUI, SDXL, Whisper) runs without code changes on either card.

What’s different

  • Architecture: Ampere (3090, GA102) vs Ada Lovelace (4090, AD102). Two generations — SM count, clocks, and Tensor Core revision all jump.
  • FP8 hardware: the 4090 has 4th-gen Tensor Cores with native FP8 (E4M3/E5M2). The 3090 does not — on Ampere you’re capped at FP16 / BF16 / INT8 for accelerated paths. This is the single biggest reason to pay the 4090 premium.
  • Throughput: ~30% advantage to the 4090 on FP16 LLM inference, larger on compute-bound image-gen workloads (SDXL, Flux).
  • Memory bandwidth: 3090 is 936 GB/s (GDDR6X), 4090 is ~1,008 GB/s (GDDR6X). About 150 GB/s more on the 4090 once you factor in the higher effective clocks, but the gap is much smaller than the compute gap. For decode-heavy LLM serving, bandwidth dominates — which is why the FP16 throughput advantage is “only” ~30%.
  • RT cores / DLSS 3: irrelevant for AI inference. The Tensor Core upgrade and FP8 support are the parts that matter.

Token throughput data

All numbers below are aggregate throughput (sum of decode tokens/sec across concurrent requests), measured under vLLM, single-card, FP16 weights as the baseline unless noted. Quantised numbers use AWQ for INT4 and TensorRT-LLM for FP8.

WorkloadRTX 3090 24 GBRTX 4090 24 GB4090 advantage
Mistral 7B FP16~720 tok/s~950 tok/s+32%
Mistral 7B FP8no native FP8~1,100 tok/s4090 only
Llama 3.1 8B FP16~680 tok/s~890 tok/s+31%
Qwen 2.5 14B INT4~410 tok/s~540 tok/s+32%
Qwen 2.5 14B FP8no native FP8~620 tok/s4090 only
SDXL 1024² FP16~5.0 s/image~3.4 s/image+47%
Whisper Large-v3~6× RTF~8× RTF+33%

Two things to note: (1) on FP16 the 4090 is faster but not dramatically — the bandwidth gap is small, so memory-bound decode doesn’t scale with the compute uplift. (2) FP8 on the 4090 is the only place you see a real generational leap, and it’s only available because the silicon supports it. The 3090 has no FP8 path at all.

Cost per million tokens

To compare hourly cards on a per-token basis, use:

cost_per_M = monthly_£ / (tok_per_sec × 86400 × 30 × utilisation) × 1,000,000

At 60% utilisation (a realistic target for steady-state self-hosted inference):

Card / formatMonthlyThroughput£ / 1M output tokens
RTX 3090 — 7B FP16£159720 tok/s£0.16
RTX 4090 — 7B FP16£289950 tok/s£0.20
RTX 4090 — 7B FP8£2891,100 tok/s£0.17

The 3090 wins on raw £/token at FP16 because the price drop (-45%) is bigger than the throughput drop (-24%). The 4090’s FP8 path closes the gap to within ~6% of the 3090 — and at that point you’re paying a small premium for 1,100 tok/s of headroom and a future-proof number format.

When to pick which

  • Pick the RTX 3090 (£159/mo) if you serve FP16 or INT8 / INT4 quantised models and want the lowest £/token. This is the right answer for most production LLM hosting in 2026.
  • Pick the RTX 3090 if your workload is bandwidth-bound (long-context decode, big KV-cache) — the 4090’s extra compute doesn’t buy you much there.
  • Pick the RTX 4090 (£289/mo) if you’re running FP8-native models (Llama 3 with FP8 KV-cache, Mistral FP8 checkpoints, FLUX FP8) or using TensorRT-LLM’s FP8 path.
  • Pick the RTX 4090 if image generation is the primary workload — SDXL/Flux are compute-bound and the 4090 is ~45% faster per image.
  • Pick the RTX 4090 if you want a 24 GB card that will still be a sensible serving target through the next two model generations — FP8 is the inference format every major lab is now shipping.

Verdict

Same VRAM, same model-fit. If you’re FP16-only, the 3090 is the better deal — full stop. If you want FP8 throughput, the 4090 is the only 24 GB option at this price tier (the next FP8-capable card up is the £399 RTX 5090 with 32 GB or the £899 RTX 6000 Pro with 96 GB).

Bottom line

For most self-hosted LLM serving, start with the RTX 3090 24 GB at £159/mo. Move up to the RTX 4090 24 GB at £289/mo when you need FP8 hardware or compute-bound throughput. See the full lineup at best GPU for LLM inference.

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