WaldenPay Premium Virtual Card vs Xkard Essential Card
Two no KYC crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. They score the same overall, so the better pick depends on what you need.
by WaldenPay
Pick WaldenPay Premium if you want a card that
- ✓rated higher by users
- ✓cheaper to open
- ✓supports more coins
by Xkard
Pick Xkard Essential if you want a card that
- ✓cheaper to load
Side by side
| WaldenPay Premium | Xkard Essential | |
|---|---|---|
| Editor score | 6.5/10 | 6.5/10 |
| User rating | 6.8/10Better | 5.2/10 |
| ID check | No KYC | No KYC |
| Card fee | $10.00Better | $108.00 |
| Monthly fee | Not listed | $9.00 |
| Top-up fee | 5% | 4.5%Better |
| FX fee | Not listed | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual | Virtual |
| Network | Mastercard | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 135Better | 1 |
WaldenPay Premium: pros and cons
- +No KYC or identity documents
- +Apple Pay and Google Pay supported
- +No limits on spending, transactions or number of cards
- +No fee on declined transactions
- −Steep 5% fee on every top-up
- −Virtual only, no physical card
- −Custodial, with anonymous ownership and a low trust rating
- −Card program partner is undisclosed and the asset list is self-reported
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 WaldenPay Premium Virtual Card or Xkard Essential Card better?
Both cards share the same editor score. WaldenPay Premium rated higher by users, cheaper to open and supports more coins. Xkard Essential cheaper to load.
Which is cheaper, WaldenPay Premium or Xkard Essential?
WaldenPay Premium charges $10.00 to open and 5% 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 WaldenPay Premium and Xkard Essential require KYC?
WaldenPay Premium: no ID needed. Xkard Essential: no ID needed.
Do WaldenPay Premium and Xkard Essential work with Apple Pay?
WaldenPay Premium works with Apple Pay and Xkard Essential works with Apple Pay.