Name: Solid Card Crypto Card
Brand: Solid Card
Availability: InStock

$1.00~~/$100~~

Take it?Costs Asks for Limits Where it works Flaws How we checked Alternatives

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Solid Card

VisaVirtual only

Asks for everythingOperational

Borrow Mode: instead of spending your balance down, the card can draw against your savings as collateral, so the USDC you deposited stays in the vault as yield-bearing soUSD and keeps compounding while you pay for coffee with it. Combined with a genuine 0% top-up and 0% transaction fee, the only thing standing between you and free spending is 1% FX outside the dollar.

Total, per $100 spent: $1.00per $100 spent

53 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.25.

Open solid.xyzNot a paid link: we earn nothing either way.

Docs

Whether to take Solid Card

In its favour

Card issuance is free, top-up is 0%, maintenance is none and standard transactions carry no fee — the only charge is 1% FX on non-USD purchases
Solid absorbs the cross-border and international transaction fees itself; FX and cross-border are mutually exclusive and capped at 1% combined
3% cashback in USDC on every purchase at the base Core tier, rising to 4% at Prime and 5% at Ultra
Your funds stay in a non-custodial Safe wallet until a transaction actually settles

Against it

The card cannot be issued to residents of Turkey, Russia, Ukraine, China, India, Israel, Vietnam, Belarus, Cuba, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Syria or Venezuela
Even a validly issued card stops working while you are physically located in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela
Virtual only — there is no physical card, so anything requiring a plastic card is out
No ATM access at all, and no ATM fee is published because cash withdrawal is not a feature

Also true, in its favour

Borrow Mode lets you spend against your savings so the balance keeps earning yield while you pay
Deposited USDC becomes soUSD, a yield-bearing token that compounds automatically with no staking or lock-up
The card is issued on the Visa Platinum tier: purchase protection to $10,000, extended warranty to $10,000, price protection to $2,000 and global auto rental insurance
Sign-up uses passkeys, and the whole flow to an activated card takes most people under three minutes
Apple Pay and Google Pay work with one tap from the card screen
Cashback lands directly in Savings as soUSD, so it starts earning the moment it arrives
Gas and bridging are abstracted away — transfers between users are gasless
Solid Savings is available worldwide even where the card is not, so you can use the yield side from anywhere

What Solid Card costs

Charge	What it costs
To get the card
To issue the card	$0.00
Monthly	$0.00
To put money in
To load	0%
To spend it
To spend	0%
To spend outside the dollar	1%
Total, per $100 spent	$1.00

Not published by the issuer: per payment, fixed, at a cash machine.

Read off solid.xyz on July 31, 2026.

This is one of the genuinely cheap cards: issuance is free, top-up is 0%, there is no maintenance fee, and standard transactions carry no fee. The single charge is a 1% FX fee on any purchase settled in a currency other than USD — built into the exchange rate rather than shown as a line item — and Solid absorbs the cross-border and international transaction fees itself, with FX and cross-border mutually exclusive and capped at 1% combined. Spending limits are not a published number: they are set per user against your available balance or collateral and adjusted dynamically, with Visa verification kicking in above roughly $250,000 and a ceiling near $750,000 on a single transaction. Cashback pays 3% in USDC on the Core tier (up to $50/month), 4% on Prime (up to $100) and 5% on Ultra (up to $200), credited 14 days after settlement. There is no ATM access and therefore no ATM fee. Note for Turkey and Russia in particular: residents of both cannot be issued this card at all.

KYC: what Solid Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards

An email18 cards

A light check — a name and a phone, unverified9 cards

A document102 cards

Everything — document, face, address114 cards

Limits on spending

Per payment$750,000

Not published by the issuer: monthly spend, daily spend, maximum balance, cash, per day.

Confirmed on solid.xyz on July 31, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay

Accepted whereOnline and in person

Account detailsNone — it is a card, not an account

Coins in2USDC, soUSD

TiersCore, Prime, Ultra

Closed to residents of 17 countries, according to the issuer's own terms.

Belarus
China
Cuba
India
Iran
Iraq
Israel
Myanmar
Nepal
Nicaragua
North Korea
Russia
Syria
Turkey
Ukraine
Venezuela
Vietnam

The other flaws

Spending limits are not fixed and published; Solid configures them per user and per card and can adjust them at any time
Cashback is capped by tier at $50, $100 or $200 per month, so the 3–5% headline stops mattering above roughly $1,700–$4,000 of monthly spend
Cashback is only credited 14 days after the transaction settles
Full KYC with an ID document and a live selfie is required before the card is issued
Yield comes from DeFi strategies in BoringVaults — real smart-contract and strategy risk, not a deposit guarantee
The terms are governed by the laws of Panama, which is a thin venue if you ever need to enforce anything
US availability is limited to 30-odd states rather than the whole country
Merchant categories including gambling, high-risk merchants and unregulated financial services are blocked outright

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off solid.xyz on July 31, 2026.

Issuer's page: Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
Sign-up flow: Identity level
Live check: Operating status
Terms: Countries closed
The issuer does not publish: Cash machine charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open solid.xyzNot a paid link: we earn nothing either way.

Alternatives to Solid Card

Costs $0.80 more per $100 — the price of the difference.

Jupiter CardJupiter CardVisaVirtual onlyAsks for everythingOperational1.8% outside the dollar. 2 fee fields are not published.AG31 Jul$1.80per $100 spent

Costs $1.30 more per $100 — the price of the difference.

Bitunix CardBitunix CardVisaVirtual onlyAsks for everythingOperationalFree to load. 1.5% outside the dollar, plus $0.80 fixed.AG12 Sept$2.30per $100 spent

Costs $1.33 more per $100 — the price of the difference.

KiteKiteVisaVirtual onlyAsks for everythingOperational0.53% when you load, plus 1.8% outside the dollar.AG11 Sept$2.33per $100 spent