Figo vs VCard
Two virtual cards people weigh up side by side. We put Figo and VCard on the same rows so the difference is easy to see.
Figo issues on Visa (US BIN) and VCard on Visa · Mastercard; verification is ID + proof at Figo versus No KYC at VCard; only Figo funds by bank transfer.
Figo is the more cost-effective option for everyday spending and travel thanks to its no monthly fee, no top-up fee. VCard is the better fit for power users who need Alipay or WeChat top-ups and AI subscriptions.
Where they split
| Field | Figo | VCard |
|---|---|---|
| Card network | Visa (US BIN) | Visa, Mastercard |
| Card type | Crypto Card | Anonymous VCC |
| KYC | ID + proof | No KYC |
| Card issuance fee | $2 (limited-time free) | US Lite card $10; Standard $5; Platinum $20; Black $999; HK Diamond Lite $50 |
| Monthly fee | Free | Free |
| Top-up fee | — | 0.9%-2% (decreasing by card tier) |
| FX fee | 2% + $0.6 intl | Spending 0.5% (min $0.2 per transaction) |
| Crypto funding | Yes (USDC/USDT/PYUSD) | Yes (USDT only) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | High |
| Our rating | 8.2 | 8.7 |
| User reviews | 851 | 589 |
| Best for | Ad spend · Streaming | 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
- Tight on fees? Figo is the cheaper card to hold day to day.
- VCard covers a wider spread of use cases; Figo is more of a single-purpose tool.
- VCard has the lighter onboarding; Figo will want more documents from you.
- VCard edged Figo on our composite rating across fees, risk and merchant tests.
- Figo carries the lower risk flag in our file, which some users prefer for a primary card.
The short version of the matchup
Figo is the cheaper card to hold: about $2 to create and no top-up fee, against about $10 and a 0.9% top-up at VCard. VCard earns its keep only if you need Alipay or WeChat top-ups and AI subscriptions.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against VCard's 8.7/10 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.
Figo works out cheaper: free account maintenance, no top-up fee. VCard adds about $10 per virtual card, a 0.5% FX fee, a 0.9% top-up fee.
Figo asks for ID + proof at signup; VCard asks for No KYC. 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 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
Figo and VCard both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 1
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇱🇹 Lithuania — 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: