0fiat Crypto Card vs Xkard Essential Card
Two no KYC crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. 0fiat Crypto Card scores higher overall (7.6 vs 6.5), but the better pick depends on what you need.
by 0fiat
Pick 0fiat Crypto if you want a card that
- ✓cheaper to open
- ✓cheaper to keep
- ✓cheaper to load
- ✓pays more cashback
- ✓supports more coins
by Xkard
Pick Xkard Essential if you want a card that
- ✓rated higher by users
- ✓works with Apple Pay
- ✓works with Google Pay
Side by side
| 0fiat Crypto | Xkard Essential | |
|---|---|---|
| Editor score | 7.6/10Better | 6.5/10 |
| User rating | 5/10 | 5.2/10Better |
| ID check | No KYC | No KYC |
| Card fee | FreeBetter | $108.00 |
| Monthly fee | FreeBetter | $9.00 |
| Top-up fee | FreeBetter | 4.5% |
| FX fee | Not listed | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | 1%Better | None |
| Card type | Virtual | Virtual |
| Network | Mastercard | Visa |
| Apple Pay | No | YesBetter |
| Google Pay | No | YesBetter |
| Coins | 2Better | 1 |
0fiat Crypto: pros and cons
- +No identity verification
- +You keep your own keys
- +Works at big retailers including Amazon and Walmart
- +No maintenance or issuance fees
- −Not a true debit card, with no physical card or card number
- −Only works at supported merchants
- −Costs are tucked into exchange rate spreads
- −No mobile app or Apple Pay and Google Pay
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 0fiat Crypto Card or Xkard Essential Card better?
0fiat Crypto Card has the higher editor score (7.6/10). 0fiat Crypto cheaper to open, cheaper to keep and cheaper to load. Xkard Essential rated higher by users, works with Apple Pay and works with Google Pay.
Which is cheaper, 0fiat Crypto or Xkard Essential?
0fiat Crypto charges free to open and free 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 0fiat Crypto and Xkard Essential require KYC?
0fiat Crypto: no ID needed. Xkard Essential: no ID needed.
Do 0fiat Crypto and Xkard Essential work with Apple Pay?
0fiat Crypto does not work with Apple Pay and Xkard Essential works with Apple Pay.