Is there a tool that creates VCF files compatible with both Android and iPhone?

Yes, compatibility is still a big issue because even after the conversion, not all VCF files can be properly opened on both platforms. In such a case where I had to support cross-device, I converted my files using OSTtoPST CSV to VCF Converter, and the vCard files that were generated worked great on my Android phone and my colleague’s iPhone. It is very helpful in fetching the standard vCard format, which is the main reason for a smooth CSV to VCF conversion across different devices. The mapping and preview features facilitate your work in maintaining clean contact details, which is of great help in avoiding import errors. In case you are going to convert CSV to VCF for multi-device use, this tool will be of great help, and it will function as a CSV to vCard converter, and it will generate universal vCard files.