Combo Cards vs Figo
Torn between Combo Cards and Figo? The comparison below is built from the same test data we use across the rest of the site.
Combo Cards issues on Visa + Mastercard and Figo on Visa (US BIN); both ask for ID + proof.
Combo Cards is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The short version of the matchup
| Field | Combo Cards | Figo |
|---|---|---|
| Card network | Visa + Mastercard | Visa (US BIN) |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free | $2 (limited-time free) |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | — | 2% + $0.6 intl |
| Crypto funding | Yes | Yes (USDC/USDT/PYUSD) |
| AI tool support | — | — |
| Risk level | Medium | Medium |
| Our rating | 7.5 | 8.2 |
| User reviews | 638 | 851 |
| Best for | Ad spend · App Store / Play | Ad spend · Streaming |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Budget-led users will lean to Combo Cards: the running cost is the lower of the two.
- In our scoring, Figo finished ahead of Combo Cards — not by a mile, but enough to tilt a tiebreak.
What sets them apart
Run the numbers against your own usage. Combo Cards runs free to create plus no top-up fee per top-up; Figo runs about $2 plus no top-up fee. For one or two subscriptions the first column wins; for the rows where it leads in the table, the second does.
Questions people ask
That depends on what you spend on. Combo Cards scores 7.5/10 against Figo's 8.2/10 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.
Combo Cards works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
Combo Cards asks for ID + proof at signup; Figo 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 2 of the same test scenarios, including Snapchat Ads, Taboola. 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
Combo Cards and Figo both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 2
Their BIN ranges
Cards issued in 🇨🇦 Canada · 🇦🇺 Australia — 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: