When you look for modules for connecting standard size SD cards to microcontrollers, you find modules that look like this:
https://www.jaycar.com.au/arduino-compatible-sd-card-interface-module/p/XC4386And notice that it says "Features 5V and 3.3V power inputs and resistors to allow safe on either IO voltage."
I think that's nonsense, and these modules should be used only with 3.3V controllers, not Arduino Unos and Nanos running at 5V.
Attached are a closeup of the module and what I believe to be its schematic. The resistors are pullup resistors to 3.3V, but there are no series resistors or voltage dividers for the controller's three 5V SPI outputs, and their full 5V is applied to the SD card pins. SD cards are 3.3V devices. The module's regulator provides the correct 3.3V Vcc to the SD, but the I/O pins are blasted with 5V, which I would just guess exceeds the absolute maximum value for these pins.
If the SD card pins have protection diodes to Vcc, then current will flow out of the controller's I/O pins without limit until the output voltage drops to about 3.9V. No telling how many milliamps that might be. And at least in theory, remembering Dave's video on this idea, if enough current flows through the protection diodes to fully supply the power needs on the Vcc pin, voltage could continue to rise on Vcc up to 4.4V, which again would violate the absolute maximum value. I suppose it's possible that some SD cards have 5V-tolerant pins, but I haven't seen any indication of that in datasheets.
By contrast, modules for *microSD* cards have level shifting I/Cs to deal with the 5V issue.
These full-size SD modules are widely sold everywhere and are touted as being suitable for 5V controllers. I just don't understand how that could be. And apparently these modules do actually work with some SD cards, at some speeds. So what am I missing here? If the schematic is correct, how can these work with 5V controllers?