XKard
XKard is a crypto card issued on Visa, rated 8.9/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
XKard is the strongest fit for all-rounder and AI subscriptions, and asks for no KYC at signup — we carry it at high (frozen-funds / forced-KYC reports) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | XKard · Crypto Card |
| Best for | All-rounder · AI subscriptions |
| Network | Visa |
| Rating | 8.9/10 (4.5★, 879 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $0 (subscription $108-$588/yr, billed annually) |
| Monthly / annual fee | $9 (Essential); $19 (Premium); $49 (Whale) - billed annually |
| Top-up (deposit) fee | 2.3%-4.5% (USDT top-up, by tier) |
| Minimum deposit | 15 USDT |
| FX / conversion fee | 8%-10% (non-USD spend; spend USD to avoid) |
Verification and risk
| KYC required | No (zero-KYC advertised; optional ID; AML screening may force KYC) |
| Risk level | High (frozen-funds / forced-KYC reports) |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (USDT only - BEP20, TRC20) |
| Bank transfer | No |
| Alipay / WeChat Pay | No |
| Cards per account | 1 (virtual only) |
Billing
| Billing address | Global (excl. US + sanctioned) |
| Billing country | Global (excl. US + sanctioned) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
| AI tools noted | ChatGPT / Claude / Midjourney |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 406506 | Visa | Multi-region | Debit | 238 | 170 | 71.4% |
We logged 170 cleared charges out of 238 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Visa virtual cards
Frequently asked
What does XKard cost to run?
The cost lines stack like this: issuing it costs $0 (subscription $108-$588/yr, billed annually); the recurring charge is $9 (Essential); $19 (Premium); $49 (Whale) - billed annually; top-ups cost 2.3%-4.5% (USDT top-up, by tier); conversion is priced at 8%-10% (non-USD spend; spend USD to avoid); you need 15 USDT to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for XKard?
XKard is a no-KYC card, so the account opens without an ID check. Cards in that tier decline more often at strict merchants, which is the trade-off you are taking.
How can I fund XKard?
You can fund it with crypto (USDT only - BEP20, TRC20). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does XKard need?
Setting it up: the billing address type is Global (excl. US + sanctioned); cards are issued against Global (excl. US + sanctioned); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does XKard work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will XKard trigger 3-D Secure?
Yes. XKard supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with XKard?
The issuer allows 1 (virtual only). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.