2x2 or 3x3 or 4x4 cards are needed for higher bandwidth. The more spatial streams available, the higher peak bandwidth you can achieve.
That being said, it will depend on what wifi router or access point you're connecting to as well.
Both sides of the equation need to be accounted for.
A router with a 4x4 radio will connect to a 1x1, 2x2, 3x3, or 4x4 device, and all of them will be capable of achieving their highest possible speeds.
But a router with a 2x2 radio will connect to a 1x1 or 2x2 device at full speeds, but a 3x3 or 4x4 device will be limited to just 2x2 speeds at maximum.
1x1 is generally sufficient for 50-100mbps over an average "normal" household. But can peak higher depending on some specifics
2x2 is generally sufficient for 150-200mbps
3x3 for 300-400mbps
4x4 for 500mbps+
I have a 2x2 access point with a phone that has a 2x2 radio, I get ~300mbps from 3-5 feet distance, and I get 100-200mbps from ~30 feet away.