Bybit Card vs X1 Card
Both Bybit Card and X1 Card clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Bybit Card issues on Mastercard · Visa and X1 Card on Visa; verification is ID only at Bybit Card versus ID + proof at X1 Card; only Bybit Card takes crypto top-ups.
Bybit Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. X1 Card still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The head to head
| Field | Bybit Card | X1 Card |
|---|---|---|
| Card network | Mastercard, Visa | Visa |
| Card type | Crypto Card | Fintech Wallet |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free (metal card) |
| Monthly fee | Free | No annual fee |
| Top-up fee | — | — |
| FX fee | 1%-2% | 0% |
| Crypto funding | Yes | No |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Medium | Low |
| Our rating | 9.3 | 8.5 |
| User reviews | 54 | 77 |
| Best for | All-rounder · AI subscriptions | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- Bybit Card shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- Bybit Card has the lighter onboarding; X1 Card will want more documents from you.
- Bybit Card can sit on a crypto balance; X1 Card cannot, so the call depends on how you fund it.
- In our scoring, Bybit Card finished ahead of X1 Card — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, X1 Card is the calmer of the two.
Side by side
Both cards clear the same checkouts in our tests, so the call comes down to cost. Bybit Card is cheaper on issuance (free) and top-ups (no top-up fee), while X1 Card is worth the premium only for the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Bybit Card scores 9.3/10 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.
Bybit Card is the cheaper card to run. Both Bybit Card and X1 Card issue virtual cards for free; Bybit Card converts currency at 1% versus 0%.
Bybit Card asks for ID only 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 7 of the same test scenarios, including Etsy, Best Buy, Sephora US. 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
Bybit Card and X1 Card both landed in our top picks for 7 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 3
🧳 Travel & Productivity 3
🎮 Gaming 1
Their BIN ranges
Cards issued in 🌎 Latin America · 🇺🇸 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: