Crypto.com Card vs X1 Card
Two virtual cards people weigh up side by side. We put Crypto.com Card and X1 Card on the same rows so the difference is easy to see.
Both issue on Visa; both ask for ID + proof; only Crypto.com Card takes crypto top-ups.
Crypto.com 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 two, compared
| Field | Crypto.com Card | X1 Card |
|---|---|---|
| Card network | Visa | Visa |
| Card type | Crypto Card | Fintech Wallet |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free (entry tier); higher tiers require CRO staking | Free (metal card) |
| Monthly fee | Free (no annual fee) | No annual fee |
| Top-up fee | Free crypto top-up; ~1% for card top-up | — |
| FX fee | No FX fees on most tiers | 0% |
| Crypto funding | Yes (100+ cryptocurrencies) | No |
| AI tool support | ChatGPT / Midjourney | — |
| Risk level | Low | Low |
| Our rating | 9.1 | 8.5 |
| User reviews | 855 | 77 |
| Best for | AI subscriptions · Streaming | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Crypto.com Card covers a wider spread of use cases; X1 Card is more of a single-purpose tool.
- Only Crypto.com Card takes crypto top-ups in our data — worth knowing before you decide.
- Crypto.com Card edged X1 Card on our composite rating across fees, risk and merchant tests.
Two cards, one decision
Run the numbers against your own usage. Crypto.com Card runs free to create plus a 1% top-up per top-up; X1 Card runs free 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. Crypto.com Card scores 9.1/10 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.
Crypto.com Card is the cheaper card to run. Both Crypto.com Card and X1 Card issue virtual cards for free; Crypto.com Card reloads at 1%, while X1 Card publishes no top-up percentage.
Crypto.com Card 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 6 of the same test scenarios, including Etsy, Sephora US, Twitch Gift Cards. 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
Crypto.com Card and X1 Card both landed in our top picks for 6 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🧳 Travel & Productivity 3
🛍️ Cross-border Shopping 2
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇺🇸 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: