Blackcatcard vs Privacy.com
Two virtual cards people weigh up side by side. We put Blackcatcard and Privacy.com on the same rows so the difference is easy to see.
Blackcatcard issues on Mastercard and Privacy.com on Visa · Mastercard; verification is ID + proof at Blackcatcard versus ID only at Privacy.com; only Blackcatcard takes crypto top-ups.
Privacy.com is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Blackcatcard is the better fit for power users who need crypto funding.
Two cards, one decision
| Field | Blackcatcard | Privacy.com |
|---|---|---|
| Card network | Mastercard | Visa, Mastercard |
| Card type | Crypto Card | Fintech Wallet |
| KYC | ID + proof | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free (1 card); €2/mo (2+ cards) | Free (Personal free; Plus $5 / Pro $10 / Premium $25 per mo) |
| Top-up fee | — | — |
| FX fee | — | 3% foreign (min $0.50); $0 on Pro/Premium |
| Crypto funding | Yes (BTC/ETH/USDT) | No |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low |
| Our rating | 8.2 | 9.2 |
| User reviews | 270 | 74 |
| Best for | App Store / Play · Free issuance | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Privacy.com costs less to keep open, so it is the one to reach for if you are watching your budget.
- Multi-task users get more from Privacy.com — it clears more of the checkouts we run through our test suite.
- Prefer a short sign-up? Privacy.com is the lower-friction option here.
- Blackcatcard can sit on a crypto balance; Privacy.com cannot, so the call depends on how you fund it.
- Privacy.com edged Blackcatcard on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Privacy.com is the calmer of the two.
The short version of the matchup
Both cards clear the same checkouts in our tests, so the call comes down to cost. Privacy.com is cheaper on issuance (free) and top-ups (no top-up fee), while Blackcatcard is worth the premium only for crypto funding.
Questions people ask
That depends on what you spend on. Blackcatcard scores 8.2/10 against Privacy.com's 9.2/10 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.
Privacy.com works out cheaper: no virtual card issuance fee, free account maintenance. Blackcatcard adds $1.09 a month.
Blackcatcard asks for ID + proof at signup; Privacy.com 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 PlayStation Network. 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
Blackcatcard and Privacy.com both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 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: