if you really want to test this..
I suggest grabbing a few resistors.. and making a voltage divider, so that your LOGIC level will work correctly..
I have read about the voltage dividers being 'slow' (or too slow even).. but I have tried and tested this myself.. and it works fine for me & initial testing.
IMHO (again Im a noob! <--- disclaimer!) .. you have +5v Arduino/board.. (period)
In order for the SD card to 'work'.. you need an Arduino that RUNS @ +3.3v logic...
or
A voltage divider between Arduino & SD card.