Hyperbeat Card vs YEX
Two virtual cards people weigh up side by side. We put Hyperbeat Card and YEX on the same rows so the difference is easy to see.
Hyperbeat Card issues on Visa Signature and YEX on Visa; both ask for ID + proof.
Hyperbeat Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. YEX still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Side by side
| Field | Hyperbeat Card | YEX |
|---|---|---|
| Card network | Visa Signature | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Virtual card free | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 0% | 0% |
| Crypto funding | Yes (WHYPE cashback up to 1.1%) | Yes |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 8.6 | 8.4 |
| User reviews | 638 | 274 |
| Best for | All-rounder · AI subscriptions | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- They trade blows — pick on the two or three rows that match how you actually spend.
The head to head
Both cards clear the same checkouts in our tests, so the call comes down to cost. Hyperbeat Card is cheaper on issuance (free) and top-ups (no top-up fee), while YEX is worth the premium only for the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Hyperbeat Card scores 8.6/10 against YEX's 8.4/10 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.
Hyperbeat Card is the cheaper card to run. Both Hyperbeat Card and YEX issue virtual cards for free.
Hyperbeat Card asks for ID + proof at signup; YEX 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 Anthropic API, Udio AI, Poe. 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
Hyperbeat Card and YEX both landed in our top picks for 6 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 4
🌐 Cloud & VPS 2
Their BIN ranges
Cards issued in 🇱🇹 Lithuania · 🇨🇦 Canada — 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: