BinanceBinance
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Side-by-side card comparison
Binance vs Solayer Pay: overall score versus use-case fit
Binance Card has the higher Overall Score by 3 points (58 vs 55). Binance Card looks stronger for Cashback, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Travel.
Information checked Aug 12, 202637 official sources reviewed
01 · Overall score versus use-case fit
Binance Card is the better all-round starting point
Binance Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Travel. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBinance58Solayer Pay55Higher score
CashbackBinance37Solayer Pay20Higher score
TravelBinance36Solayer Pay53Higher score
Funds controlBinance47Solayer Pay47Same score
Lowest feesBinance56Solayer Pay43Higher score
TransfersBinance75Solayer Pay29Higher score
Choose Binance Card if cashback and lowest fees matter most
Binance Card comes out ahead for Cashback, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
Choose Solayer Pay Card if travel matters most
Solayer Pay Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Binance58Solayer Pay55
Binance Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Binance$0 plan · 2–3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Binance Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Binance1.5% base · up to 3%Solayer Pay0% base
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- BinanceCustodial balanceSolayer PayCustodial balance
Binance Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- BinanceVirtual · Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Binance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawalSolayer Pay1 stablecoin · Not modeled
Binance Card lists more stablecoins and ways to send money out (5 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBinance CardOverall58Solayer Pay CardOverall55
Binance CardOverall58Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Binance Card58Solayer Pay Card55
- Cashback score
- Binance Card37Solayer Pay Card20
- Travel score
- Binance Card36Solayer Pay Card53
- Funds control score
- Binance Card47Solayer Pay Card47
- Lowest fees score
- Binance Card56Solayer Pay Card43
- Transfers score
- Binance Card75Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Binance CardSpend supported Binance crypto balances, Google Pay supportSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Binance CardSpending follows the Binance account model, Virtual-only cardSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Binance Card$0Solayer Pay Card$20/year
- FX fee
- Binance Card2–3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Binance CardNot disclosedSolayer Pay Card1%
- Card spending fee
- Binance CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Binance CardNot disclosedSolayer Pay CardNot disclosed
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Solayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Binance CardTier 3: 3%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Binance CardMastercardSolayer Pay CardVisa
- Card formats
- Binance CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Binance CardNot disclosedSolayer Pay CardAvailable
- Mobile wallets
- Binance CardGoogle PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Binance CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Binance CardShown in appSolayer Pay CardShown in app
- Monthly spending limit
- Binance CardShown in appSolayer Pay CardShown in app
- ATM limit
- Binance CardNot disclosedSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Binance CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- Binance CardOther crypto: Supported cryptoSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Binance CardBinance account bank depositSolayer Pay CardNot disclosed
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalSolayer Pay CardNot disclosed
- Payout currencies
- Binance CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Binance Card1.5%Solayer Pay Card0%
- Max cashback
- Binance Card3%Solayer Pay CardNot disclosed
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Solayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Binance CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Binance CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Binance CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Binance CardNot offeredSolayer Pay CardYes
- Lock-up
- Binance CardNot offeredSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Binance CardCustodialSolayer Pay CardCustodial
- Control until payment
- Binance CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Binance CardImmersve LimitedSolayer Pay CardThird National
- Identity verification
- Binance CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Binance CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Binance Card12Solayer Pay Card25
- Last reviewed
- Binance CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Binance Card is the stronger all-round choice
Binance Card finishes ahead with an Overall Score of 58 versus 55 for Solayer Pay Card. Binance Card has the lower starting plan cost ($0 vs $20/year). Binance Card has the higher published base cashback rate (1.5% vs 0%).
Solayer Pay Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Binance Card and Solayer Pay Card use the same custodial balance setup.
Binance Card lists more stablecoins and ways to send money out (5 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Binance Card and Solayer Pay Card reviews first.
Continue with
Binance Card
Continue with
Solayer Pay Card
05 · Common questions
Binance vs Solayer Pay FAQ
Is Binance or Solayer Pay better overall?
Binance Card has the higher Overall Score (58 vs 55). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Binance or Solayer Pay?
Binance Card has the lower starting plan cost ($0 vs $20/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or Solayer Pay?
Binance Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and Solayer Pay differ on custody?
Binance Card and Solayer Pay Card use the same custodial balance setup.
How current is this Binance vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.