Blackcatcard vs X1 Card
Both Blackcatcard and X1 Card clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Blackcatcard issues on Mastercard and X1 Card on Visa; both ask for ID + proof; only Blackcatcard takes crypto top-ups.
X1 Card 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.
Side by side
| Field | Blackcatcard | X1 Card |
|---|---|---|
| Card network | Mastercard | Visa |
| Card type | Crypto Card | Fintech Wallet |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free | Free (metal card) |
| Monthly fee | Free (1 card); €2/mo (2+ cards) | No annual fee |
| Top-up fee | — | — |
| FX fee | — | 0% |
| Crypto funding | Yes (BTC/ETH/USDT) | No |
| AI tool support | — | — |
| Risk level | Low-Medium | Low |
| Our rating | 8.2 | 8.5 |
| User reviews | 270 | 77 |
| 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
- Budget-led users will lean to X1 Card: the running cost is the lower of the two.
- Only Blackcatcard takes crypto top-ups in our data — worth knowing before you decide.
- X1 Card edged Blackcatcard on our composite rating across fees, risk and merchant tests.
- X1 Card carries the lower risk flag in our file, which some users prefer for a primary card.
The short version of the matchup
X1 Card is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at Blackcatcard. Blackcatcard earns its keep only if you need crypto funding.
Questions people ask
That depends on what you spend on. Blackcatcard scores 8.2/10 against X1 Card's 8.5/10 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.
X1 Card works out cheaper: no virtual card issuance fee, free account maintenance. Blackcatcard adds $1.09 a month.
Blackcatcard asks for ID + proof at signup; X1 Card asks for ID + proof. 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 X1 Card 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: