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AI Character Cards: Best Sites & Tools (2026)

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AI character cards are the file format that made character roleplay portable: a single file — usually a PNG with data embedded — that packs a character's personality, backstory, example dialogue, and behaviour rules. Import one into a compatible platform and the character comes to life anywhere.

This guide ranks the best places to find, create, and run character cards, plus the platforms that skip the file format entirely and give you a character builder instead. Rankings weigh library size and quality, card format support, creation tools, and how freely adult cards can actually run.

Disclosure: some links on this page are affiliate links. Rankings are based on our own testing and editorial judgment.

Last updated:

Quick picks

★ Top pick

ourdream.ai

Skip the file format — build a persistent visual character instead

Visit site →
#2

Spicychat AI

Best hosted card library with easy import

Visit site →
#3

Chub.ai

Largest raw card repository

Visit site →

How we rank

  • Library size and quality: how many cards, and how good are the well-rated ones?
  • Format support: V2 card spec, PNG import/export, and lorebook compatibility.
  • Creation tools: can you build and refine a card without hand-editing JSON?
  • Content freedom: do adult cards actually run, or get filtered at chat time?
  • Portability: can you take your characters with you, or are they locked in?
  • Safety: platforms must prohibit cards depicting minors — no exceptions.

Top 9 — the full list

2

Spicychat AI

Best hosted card platform

8.8/10
FMK Score

The best hosted experience for character cards: a huge searchable library, one-click chat, card import, and a real free tier. Definitions are visible on most cards so you can learn card-writing by reading good ones. Adult cards run without chat-time filtering.

libraryfree tiereasy import

Pros

  • +Fast, flirty roleplay
  • +Huge character variety
  • +Generous free tier

Cons

  • −Quality varies by bot
  • −Paid tier for best models
From FreemiumVisit site →
3

Chub.ai

Largest card repository

The largest raw repository of character cards on the internet — hundreds of thousands of V2-spec cards with tags, ratings, and direct PNG download for use in SillyTavern or any compatible frontend. Quality varies wildly; the tag and rating system is how you find the good ones.

downloadsV2 specvariety
Visit site →
4

Crushon AI

Unrestricted hosted cards

8.1/10
FMK Score

Crushon AI hosts a growing card library with an emphasis on unrestricted chat — adult cards run as written. Creation tools are approachable, and the mobile experience is one of the better ones for card-based roleplay.

content freedommobile

Pros

  • +Unrestricted character chat
  • +Large character library
  • +Solid mobile experience

Cons

  • −Quality varies by character
  • −Paid tier for best models
From FreemiumVisit site →
5

Janitor AI

Great cards, BYO model

A massive community card library with a devoted user base and strong card-authoring culture. Bring your own model API key for the best experience. Top cards here are some of the best-written anywhere; the setup friction is the trade-off.

card qualitycommunity
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6

GirlfriendGPT

Adult companion characters, fast start

8.4/10
FMK Score

GirlfriendGPT pairs a character library with creation tools tuned for adult companion characters. Less about the portable file format, more about getting a well-defined adult character chatting quickly.

adult cardsquick start

Pros

  • +Direct, adult-focused
  • +Roleplay-first
  • +No pretense

Cons

  • −Less polished
  • −Narrower feature set
From FreemiumVisit site →
7

SillyTavern

The card power tool

The reference implementation for character cards: full V2 spec support, PNG import/export, lorebooks, group chats, and total control over how a card behaves. Every serious card author tests against SillyTavern. Free and open-source; requires self-hosting and a model.

V2 speclorebookspower users
8

Backyard AI

Easiest local card runner

Desktop app that runs character cards against local models with a friendlier setup than SillyTavern — download, pick a model, import cards, chat offline. Total privacy, no subscription, and a built-in card hub. The approachable end of the local-first route.

local modelsprivacyease of setup
Visit site →
9

RisuAI

Polished open-source frontend

A polished open-source frontend supporting character cards with advanced features — regex scripts, emotion images, and strong lorebook handling. Runs in the browser or as an app. A genuine SillyTavern alternative with a gentler learning curve.

open-sourcefeatures
Visit site →

Frequently asked questions

What are AI character cards?+
A character card is a portable file defining an AI roleplay character — name, personality, backstory, example dialogue, and behaviour rules. The standard V2 format embeds this data inside a PNG image, so the card you download is literally the character's portrait with the definition inside.
Where do I download AI character cards?+
Chub.ai is the largest repository for raw card downloads. SpicyChat, Janitor AI, and Crushon host cards you chat with directly on-platform. Backyard AI and RisuAI include built-in hubs for their local runners.
How do I use a character card?+
On hosted platforms, search the library and start chatting — no files involved. For downloaded cards, import the PNG into SillyTavern, Backyard AI, or RisuAI and the character loads with everything embedded. Most platforms accept the V2 spec, so cards move between tools.
How do I write a good character card?+
Concrete beats abstract: specific speech patterns, a few strong example dialogues, and clear behaviour rules outperform paragraphs of adjectives. Read the definitions of top-rated cards on SpicyChat or Chub — visible definitions are the best free tutorial there is.
Do NSFW character cards work on these platforms?+
On SpicyChat, Crushon, Janitor AI, and the local runners, yes — adult cards run as written. Mainstream platforms like Character.AI filter them at chat time regardless of the card's content. Cards depicting minors are prohibited everywhere listed, without exception.
Character cards vs character builders — which is better?+
Cards win on portability and community variety; builders like ourdream.ai win on visual consistency — a character you can see in generated images and video, not just read. If immersion is the goal, a builder platform gets you further with less setup.

Related reading

Best AI roleplay chatbots (2026)Best AI sexting chatbots (2026)Character AI alternatives (uncensored)Best AI girlfriend sites

This page is intended for adults (18+). All content is fictional and does not depict real people. If you are under 18, please leave this site.

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