X1 Card vs imToken Card
Two virtual cards people weigh up side by side. We put X1 Card and imToken Card on the same rows so the difference is easy to see.
X1 Card issues on Visa and imToken Card on Mastercard; both ask for ID + proof; only imToken Card 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, no top-up fee. imToken Card is the better fit for power users who need crypto funding and Alipay or WeChat top-ups and AI subscriptions.
What sets them apart
| Field | X1 Card | imToken Card |
|---|---|---|
| Card network | Visa | Mastercard |
| Card type | Fintech Wallet | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free (metal card) | NFT mint ~0.001 ETH |
| Monthly fee | No annual fee | Free (no annual fee) |
| Top-up fee | — | 1% (token top-up) |
| FX fee | 0% | Free (multi-currency; Mastercard rate; no FX/conversion fee) |
| Crypto funding | No | Yes |
| AI tool support | — | ChatGPT |
| Risk level | Low | Medium |
| Our rating | 8.5 | 8.8 |
| User reviews | 77 | 764 |
| Best for | App Store / Play · Free issuance | AI subscriptions · Streaming |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- If you wear several hats, imToken Card is the more flexible of the pair.
- imToken Card can sit on a crypto balance; X1 Card cannot, so the call depends on how you fund it.
- In our scoring, imToken Card finished ahead of X1 Card — not by a mile, but enough to tilt a tiebreak.
- X1 Card carries the lower risk flag in our file, which some users prefer for a primary card.
Where they split
Run the numbers against your own usage. X1 Card runs free to create plus no top-up fee per top-up; imToken Card runs about $0.001 plus a 1% 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. X1 Card scores 8.5/10 against imToken Card's 8.8/10 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, no top-up fee. imToken Card adds about $0.001 per virtual card, a 1% top-up fee.
X1 Card asks for ID + proof at signup; imToken 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 4 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
X1 Card and imToken Card both landed in our top picks for 4 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 2
🎮 Gaming 1
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🇺🇸 US · 🇬🇧 UK — 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: