Xkard Essential Card vs Moon Card
Two no KYC crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Xkard Essential Card scores higher overall (6.5 vs 6.4), but the better pick depends on what you need.
by Xkard
Pick Xkard Essential if you want a card that
- ✓rated higher by users
- ✓cheaper to keep
- ✓works with Apple Pay
- ✓works with Google Pay
by Moon
Pick Moon if you want a card that
- ✓cheaper to open
- ✓cheaper to load
- ✓pays more cashback
Side by side
| Xkard Essential | Moon | |
|---|---|---|
| Editor score | 6.5/10Better | 6.4/10 |
| User rating | 5.2/10Better | 2.7/10 |
| ID check | No KYC | No KYC |
| Card fee | $108.00 | FreeBetter |
| Monthly fee | $9.00Better | $20.00 |
| Top-up fee | 4.5% | 2%Better |
| FX fee | Not listed | 3% |
| Daily limit | No stated limit | $100,000 |
| Cashback | None | 1%Better |
| Card type | Virtual | Virtual |
| Network | Visa | Mastercard |
| Apple Pay | YesBetter | No |
| Google Pay | YesBetter | No |
| Coins | 1 | 1 |
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
Moon: pros and cons
- +Lightning support allows instant, nearly free Bitcoin transfers
- +No monthly or membership charges
- +Single-use cards from just $1.49
- +Keeps personal details hidden from merchants
- −Recent reports of suspended accounts and refund trouble
- −Virtual cards only, no physical version
- −$4,000 monthly cap across all cards
- −One-time cards lapse after 2 months
Questions
Is Xkard Essential Card or Moon Card better?
Xkard Essential Card has the higher editor score (6.5/10). Xkard Essential rated higher by users, cheaper to keep and works with Apple Pay. Moon cheaper to open, cheaper to load and pays more cashback.
Which is cheaper, Xkard Essential or Moon?
Xkard Essential charges $108.00 to open and 4.5% per top-up. Moon charges free to open and 2% per top-up. The top-up fee matters most if you load larger amounts.
Do Xkard Essential and Moon require KYC?
Xkard Essential: no ID needed. Moon: no ID needed.
Do Xkard Essential and Moon work with Apple Pay?
Xkard Essential works with Apple Pay and Moon does not work with Apple Pay.