1inch Card vs SpectroCoin Card: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$78,057▲ 0.18%

ETH$2,289▲ 0.96%

XRP$1.25▲ 0.20%

USDT$0.9990▼ 0.05%

USDC$0.9996▼ 0.04%

Verdict

Winner: 1inch Card

1inch Card takes it 4–0. 1inch Card converts cheaper (0.0%); 1inch Card needs less verification; 1inch Card issues instantly.

1inch Card vs SpectroCoin Card: the short version

1inch Card and SpectroCoin 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%; SpectroCoin Card takes 0–3%, which compounds fast if the card is your daily spender. Expect SpectroCoin Card to ask for documents before issuing; 1inch Card is the faster path if you would rather not hand them over. Both settle comfortably from stablecoins, which is the sane way to use either card — spending a volatile coin locks in that day's price and creates a taxable disposal. Coverage overlaps in EU; outside that, check the issuer's country list before applying.

Key differences

1inch Card converts at 0.0% against 0–3% on SpectroCoin Card — a gap of about 1.50 percentage points, or roughly $15.00 on every $1,000 you spend.
Neither card pays cashback, so the comparison comes down to conversion cost, availability and how fast you can start spending.
1inch Card asks for partial verification only, while SpectroCoin Card runs full KYC before the card is issued.
1inch Card is available across EU, Global; SpectroCoin Card is limited to EU.
1inch Card issues instantly, so you can pay the same day. SpectroCoin Card requires approval or shipping first.
1inch Card is virtual, SpectroCoin Card is virtual/physical — relevant if you need a plastic card for deposits, hotels or car rental.

Side-by-Side Comparison

Specification

1inch Card

SpectroCoin Card

Conversion Fee

0.0%

0–3%

Cashback

—

KYC Required

Partial

Full

Supported Coins

USDC, USDT, DAI

BTC, ETH, USDT, XRP

Regions

EU, Global

Card Type

Virtual

Virtual/Physical

Instant Issue

Yes

Limits

Medium

Category Breakdown

Fees

0.0% vs 0–3%

1inch Card

Cashback

Both offer —

Tie

KYC / Privacy

Partial KYC vs Full KYC

1inch Card

Availability

2 regions vs 1

1inch Card

Which one fits your situation

Everyday spending

Lower conversion cost (0.0%) on every purchase.

1inch Card

Privacy

Partial KYC versus Full.

1inch Card

Card needed today

Instant issuance, no shipping wait.

1inch Card

Travel

Virtual/Physical card covering EU.

SpectroCoin Card

US residents

Only 1inch Card is available in US.

1inch Card

LATAM residents

Only 1inch Card is available in LATAM.

1inch Card

1inch Card vs SpectroCoin Card: FAQ

Which is better, 1inch Card or SpectroCoin Card?

1inch Card. 1inch Card takes it 4–0. 1inch Card converts cheaper (0.0%); 1inch Card needs less verification; 1inch Card issues instantly.

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

Yes — SpectroCoin 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.

Can I spend USDT or USDC with 1inch Card and SpectroCoin Card?

Both settle from stablecoins (1inch Card: USDC, USDT, DAI; SpectroCoin Card: BTC, ETH, USDT, XRP), which avoids locking in a volatile price at the till.

Which coins do 1inch Card and SpectroCoin Card both support?

Both accept USDT. Beyond that, 1inch Card supports USDC, USDT, DAI and SpectroCoin Card supports BTC, ETH, USDT, XRP.

Is spending 1inch Card or SpectroCoin Card a taxable event?

In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.