VCard vs X1 Card
Torn between VCard and X1 Card? The comparison below is built from the same test data we use across the rest of the site.
VCard issues on Visa · Mastercard and X1 Card on Visa; verification is No KYC at VCard versus ID + proof at X1 Card; only VCard takes crypto top-ups.
X1 Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees, no top-up fee. VCard is the better fit for power users who need crypto funding and Alipay or WeChat top-ups and ad spend and AI subscriptions.
Side by side
| Field | VCard | X1 Card |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Anonymous VCC | Fintech Wallet |
| KYC | No KYC | ID + proof |
| Card issuance fee | US Lite card $10; Standard $5; Platinum $20; Black $999; HK Diamond Lite $50 | Free (metal card) |
| Monthly fee | Free | No annual fee |
| Top-up fee | 0.9%-2% (decreasing by card tier) | — |
| FX fee | Spending 0.5% (min $0.2 per transaction) | 0% |
| Crypto funding | Yes (USDT only) | No |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | High | Low |
| Our rating | 8.7 | 8.5 |
| User reviews | 589 | 77 |
| Best for | All-rounder · Ad spend | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
What sets them apart
- Tight on fees? X1 Card is the cheaper card to hold day to day.
- Multi-task users get more from VCard — it clears more of the checkouts we run through our test suite.
- VCard asks for less verification up front, which matters if you want a card live the same day.
- Only VCard takes crypto top-ups in our data — worth knowing before you decide.
- X1 Card carries the lower risk flag in our file, which some users prefer for a primary card.
The short version of the matchup
Run the numbers against your own usage. X1 Card runs free to create plus no top-up fee per top-up; VCard runs about $10 plus a 0.9% top-up. For one or two subscriptions the first column wins; for crypto funding and Alipay or WeChat top-ups, the second does.
Questions people ask
That depends on what you spend on. VCard scores 8.7/10 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.
X1 Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee, no top-up fee. VCard adds about $10 per virtual card, a 0.5% FX fee, a 0.9% top-up fee.
VCard asks for No KYC 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 Etsy. 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
VCard 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:
🛍️ Cross-border Shopping 1
Their BIN ranges
Cards issued in 🇱🇹 Lithuania · 🇺🇸 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: