1inch Debit Card vs Chime
Two virtual cards people weigh up side by side. We put 1inch Debit Card and Chime on the same rows so the difference is easy to see.
1inch Debit Card issues on Visa + Mastercard and Chime on Visa; verification is ID + proof at 1inch Debit Card versus ID only at Chime; only 1inch Debit Card takes crypto top-ups.
1inch Debit Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Chime is the better fit for power users who need bank-transfer funding.
The head to head
| Field | 1inch Debit Card | Chime |
|---|---|---|
| Card network | Visa + Mastercard | Visa |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | — | 0% |
| Crypto funding | Yes (multi-chain) | No |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low |
| Our rating | 8.2 | 9.5 |
| User reviews | 585 | 551 |
| Best for | All-rounder · AI subscriptions | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- Chime asks for less verification up front, which matters if you want a card live the same day.
- Only 1inch Debit Card takes crypto top-ups in our data — worth knowing before you decide.
- Chime edged 1inch Debit Card on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Chime is the calmer of the two.
Side by side
Run the numbers against your own usage. 1inch Debit Card runs free to create plus no top-up fee per top-up; Chime runs free plus no top-up fee. For one or two subscriptions the first column wins; for bank-transfer funding, the second does.
Questions people ask
That depends on what you spend on. 1inch Debit Card scores 8.2/10 against Chime's 9.5/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
1inch Debit Card is the cheaper card to run. Both 1inch Debit Card and Chime issue virtual cards for free.
1inch Debit Card asks for ID + proof at signup; Chime asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 4 of the same test scenarios, including RunwayML, Pika Labs, Amazon Prime Video. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
1inch Debit Card and Chime both landed in our top picks for 4 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 1
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇺🇸 US — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: