Here a program to test the SD-Card:
Press a key to start (GPIO19 on my board)
The program write 10'000 line in a .csv file
Its write a string of 128Byte for each line (21 times a fix number 10000,)
If writing is finish it's write the time in line 10'001 in mSec and it send the time to USB I tested with different setting for the card
the setting from the clock to 1Mhz, 20Mhz, 80Mhz is no difference
the setting 1Bit or 4Bit mode=> 1Bit=2935mSec 4Bit=2551mSec

My wish is that the writing of 128Byte always takes the same time or that there is not such a big difference to write the string
test shows the time to write for 128Byte, you van see every 4te string is much longer ( with a 1mSec delay on)
here the 4te string and sometimes it's much longer...