Solflare Card vs X1 Card
Torn between Solflare Card and X1 Card? The comparison below is built from the same test data we use across the rest of the site.
Both issue on Visa; both ask for ID + proof; only Solflare Card takes crypto top-ups.
Solflare Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. X1 Card is the better fit for power users who need bank-transfer funding.
Two cards, one decision
| Field | Solflare Card | X1 Card |
|---|---|---|
| Card network | Visa | Visa |
| Card type | Crypto Card | Fintech Wallet |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free | Free (metal card) |
| Monthly fee | Free | No annual fee |
| Top-up fee | — | — |
| FX fee | 1% | 0% |
| Crypto funding | Yes (Solana ecosystem) | No |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Low-Medium | Low |
| Our rating | 8.5 | 8.5 |
| User reviews | 499 | 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.
The short version of the matchup
- Multi-task users get more from Solflare Card — it clears more of the checkouts we run through our test suite.
- Solflare Card can sit on a crypto balance; X1 Card cannot, so the call depends on how you fund it.
- If risk rating weights your choice, X1 Card is the calmer of the two.
Side by side
Solflare Card is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at X1 Card. X1 Card earns its keep only if you need bank-transfer funding.
Questions people ask
That depends on what you spend on. Solflare Card scores 8.5/10 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.
Solflare Card is the cheaper card to run. Both Solflare Card and X1 Card issue virtual cards for free; Solflare Card converts currency at 1% versus 0%.
Solflare 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 1 of the same test scenarios, including Zoom Video Communications. 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
Solflare Card and X1 Card both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇺🇸 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: