1inch Card vs Binance Card: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$77,971▲ 1.45%

ETH$2,501▲ 1.65%

BNB$746.05▲ 2.03%

USDT$0.9992▼ 0.01%

USDC$0.9995▼ 0.01%

Verdict

Winner: 1inch Card

1inch Card takes it 3–1. 1inch Card converts cheaper (0.0%); Binance Card pays more back (Up to 8%); 1inch Card needs less verification.

1inch Card vs Binance Card: the short version

1inch Card and Binance Card both work at any Visa or Mastercard terminal, but what they charge and who they accept differ. On conversion cost 1inch Card is clearly ahead at 0.0%; Binance Card takes 0–1%, which compounds fast if the card is your daily spender. Rewards favour Binance Card at Up to 8%, which is worth taking at face value only if you can meet the tier it is attached to. Expect Binance Card to ask for documents before issuing; 1inch Card is the faster path if you would rather not hand them over. 1inch Card only settles from stablecoins (USDC, USDT, DAI), while Binance Card also accepts BTC, ETH, BNB +15 — useful if you would rather not convert first. Both are usable across EU, Global, so availability will not be the deciding factor there.

Key differences

1inch Card converts at 0.0% against 0–1% on Binance Card — a gap of about 0.50 percentage points, or roughly $5.00 on every $1,000 you spend.
Binance Card pays Up to 8% back while 1inch Card runs no rewards programme at all.
1inch Card asks for partial verification only, while Binance Card runs full KYC before the card is issued.
1inch Card issues instantly, so you can pay the same day. Binance Card requires approval or shipping first.
1inch Card is virtual, Binance Card is virtual/physical — relevant if you need a plastic card for deposits, hotels or car rental.
Funding assets do not overlap: 1inch Card takes USDC, USDT, DAI, Binance Card takes BTC, ETH, BNB +15.
Spending headroom differs: 1inch Card is rated "Medium", Binance Card "High".

Side-by-Side Comparison

Specification

1inch Card

Binance Card

Conversion Fee

0.0%

0–1%

Cashback

—

Up to 8%

KYC Required

Partial

Full

Supported Coins

USDC, USDT, DAI

BTC, ETH, BNB +15

Regions

EU, Global

Card Type

Virtual

Virtual/Physical

Instant Issue

Yes

Limits

Medium

High

Category Breakdown

Fees

0.0% vs 0–1%

1inch Card

Cashback

Up to 8% vs —

Binance Card

KYC / Privacy

Partial KYC vs Full KYC

1inch Card

Availability

Both available in 2 regions

Tie

Which one fits your situation

Everyday spending

Lower conversion cost (0.0%) on every purchase.

1inch Card

Cashback hunters

Up to 8% against —.

Binance Card

Privacy

Partial KYC versus Full.

1inch Card

Card needed today

Instant issuance, no shipping wait.

1inch Card

Travel

Virtual/Physical card covering EU, Global.

Binance Card

Stablecoin holders

Settles directly from USDC, USDT, DAI.

1inch Card

High spenders

High limits versus Medium.

Binance Card

1inch Card vs Binance Card: FAQ

Which is better, 1inch Card or Binance Card?

1inch Card. 1inch Card takes it 3–1. 1inch Card converts cheaper (0.0%); Binance Card pays more back (Up to 8%); 1inch Card needs less verification.

Do 1inch Card and Binance Card require KYC?

1inch Card: Partial KYC. Binance Card: Full KYC.

Are 1inch Card and Binance Card available in the EU after MiCA?

Both serve EU residents, but since MiCA applied in full the issuer must hold an EEA authorisation, so the exact country list can change. Check the issuer's coverage page before applying.

How fast can I start spending with 1inch Card?

1inch Card issues a card instantly, so you can fund it and pay the same day. Binance Card requires approval or physical delivery first.

Can I use Binance Card where a physical card is required?

Yes — Binance Card is a virtual/physical card, so it works for hotel deposits, car hire and ATMs. 1inch Card is virtual only and works online or in a mobile wallet.