Affirm Card vs MyFin
Two virtual cards people weigh up side by side. We put Affirm Card and MyFin on the same rows so the difference is easy to see.
Affirm Card issues on Visa and MyFin on Visa · Mastercard; verification is ID + proof at Affirm Card versus ID only at MyFin.
Affirm Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. MyFin still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Two cards, one decision
| Field | Affirm Card | MyFin |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Fintech Wallet | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free (no annual/card fees) | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | — | — |
| FX fee | — | 0% |
| Crypto funding | No | — |
| AI tool support | — | — |
| Risk level | Low | Low-Medium |
| Our rating | 8.2 | 8.8 |
| User reviews | 144 | 376 |
| Best for | App Store / Play · Free issuance | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The head to head
- MyFin has the lighter onboarding; Affirm Card will want more documents from you.
- MyFin edged Affirm Card on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Affirm Card is the calmer of the two.
The two, compared
Affirm Card is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at MyFin. MyFin earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Affirm Card scores 8.2/10 against MyFin's 8.8/10 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.
Affirm Card is the cheaper card to run. Both Affirm Card and MyFin issue virtual cards for free.
Affirm Card asks for ID + proof at signup; MyFin 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 1 of the same test scenarios, including Target. 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
Affirm Card and MyFin both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 1
Their BIN ranges
Cards issued in 🇺🇸 US · 🇪🇺 Europe (EEA) — 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: