Foton Card Virtual Card vs Xkard Essential Card
Two no KYC crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Foton Card Virtual Card scores higher overall (6.9 vs 6.5), but the better pick depends on what you need.
Foton Card Virtual Card
by Foton Card
6.9editor score 5.5/10
Pick Foton Card if you want a card that
- ✓rated higher by users
- ✓cheaper to open
- ✓cheaper to keep
- ✓cheaper to load
Xkard Essential Card
by Xkard
6.5editor score 5.2/10
Pick Xkard Essential if you want a card that
- ✓fits your country and coins
Side by side
| Foton Card | Xkard Essential | |
|---|---|---|
| Editor score | 6.9/10Better | 6.5/10 |
| User rating | 5.5/10Better | 5.2/10 |
| ID check | No KYC | No KYC |
| Card fee | $2.00Better | $108.00 |
| Monthly fee | FreeBetter | $9.00 |
| Top-up fee | 1%Better | 4.5% |
| FX fee | Not listed | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual | Virtual |
| Network | Visa | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 1 | 1 |
Foton Card: pros and cons
- +No KYC to get a card
- +BINs tuned for ad platforms like Facebook and Google
- +3D Secure (3DS) supported for safer online payments
- +Unlimited card issuance for high-volume users
- −$100 refundable guarantee deposit to start
- −Virtual only, with no physical cards
- −Strict 20% maximum decline rate
- −Fees charged on declined attempts
Xkard Essential: pros and cons
- +No identity verification needed
- +Works with Apple Pay and Google Pay for tap payments
- +Virtual card issued immediately
- +Available worldwide except sanctioned regions
- −Steep 4.5% fee on each recharge
- −Annual subscription is due upfront
- −No physical card offered
- −Can only be funded with USDT
Questions
Is Foton Card Virtual Card or Xkard Essential Card better?
Foton Card Virtual Card has the higher editor score (6.9/10). Foton Card rated higher by users, cheaper to open and cheaper to keep.
Which is cheaper, Foton Card or Xkard Essential?
Foton Card charges $2.00 to open and 1% per top-up. Xkard Essential charges $108.00 to open and 4.5% per top-up. The top-up fee matters most if you load larger amounts.
Do Foton Card and Xkard Essential require KYC?
Foton Card: no ID needed. Xkard Essential: no ID needed.
Do Foton Card and Xkard Essential work with Apple Pay?
Foton Card works with Apple Pay and Xkard Essential works with Apple Pay.
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