Why it stands out
- Borrow Mode can borrow against Savings instead of draining it first.
- Higher Solid tiers can raise FUSE cashback from 3% to 5%.
- Virtual Accounts can receive ACH or wire into soUSD where supported.
Solid green front cardStandard card design
Crypto-backed Visa credit card
Solid Card
A Solid Visa card that routes money through Wallet, Savings/soUSD and card balance rather than direct external-wallet spend, with 3%-5% FUSE cashback by tier. Savings Mode spends from balance, while Borrow Mode can borrow against Savings so funds may keep earning yield. Useful for existing Solid users; weaker if you need ATM access, a physical card or a normal bank-account balance.
Self-custodyLow FXUS availableTiered rewardsCrypto-nativeETH deposits
Approved availability facts: 49 supported country records and 17 unavailable country records.
View Solid Compare card
$10 new-user bonus after qualifying card spend
- Open a Solid virtual card.
- Spend $75 across at least three payments.
- Use different merchants and complete the spend within 30 days.
Main trade-offs
- Current card access is virtual-only, with no physical card listed.
- Treat ATM use as unconfirmed unless the app shows cash access.
- Fiat deposits convert to soUSD, not insured bank-account balances.
01 · Core economics
Costs that matter
Solid is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up0%No stated provider funding surcharge
Foreign exchange1%Compare the FX fee with the cashback rate before using it abroad.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalNot confirmedNot disclosed
Daily card spendDynamic / shown in appListed
Monthly card spendDynamic / shown in appListed
ATM limitUnknownListed
Account depositUnknownListed
02 · Plans & rewards
Choose the plan and the rewards together
Solid Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest approved purchase reward rate
Conditional — not the automatic rate
FUSE cashback
Highest approved tier cap
Memberships
Best default
$0/yrCore
Virtual Visa
- Cashback
- 3% in FUSE on first $50/mo
- Requirement
- —
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
5,000,000 pointsrequirementPrime
Virtual Visa
- Cashback
- 4% in FUSE on first $100/mo
- Requirement
- 5,000,000 Solid Rewards points
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
35,000,000 pointsrequirementUltra
Virtual Visa
- Cashback
- 5% in FUSE on first $200/mo
- Requirement
- 35,000,000 Solid Rewards points
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsNot confirmed
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Stablecoin depositsAvailable
- USD virtual accountACH / Wire receive
- Own-name bank depositsNo stated Solid limit
- Third-party depositsup to $4,000/transfer
- Rail eligibilityKYC/KYB and region dependent
04 · Money in and out
How money enters, settles and leaves Solid
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 2 routesCrypto depositssoUSDUSDCUSDTFUSE9 assetsBank depositsACHFedwireUSD
Crypto deposits
1 route
Crypto deposits
Savings asset that can fund the card through Wallet/Savings top-up · Deposits arrive in Wallet or are bridged/converted into soUSD before Savings/card funding, depending on entry path · Auto-converted into stablecoin/USD balance on receipt
soUSDUSDCUSDTFUSE9 assets
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 0% · transfer
More assets, currencies or networks
soETH, VOLT, WBTC, WETH, WFUSE, Fuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
Access path
Via connected wallet
Asset / network map
soUSD: Fuse · USDC: Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum, Fuse · USDT: Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum · FUSE: Fuse
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
USDC/USDT deposits are not presented as direct external-wallet card spend. Solid routes funding through Wallet, Savings/soUSD and Card balance; Savings top-up converts soUSD to USDC before loading the card. · Receive-only crypto deposit. The asset is converted after it reaches the card app.
Bank deposits
1 route
USD virtual account
Own-name bank deposits have no stated Solid per-transaction, monthly or yearly limit.
USD
- Fee
- No fixed fee
- Speed
- Varies by rail
- Limits
- Own-name bank deposits have no stated Solid per-transaction, monthly or yearly limit.
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Own-name bank deposits have no stated Solid per-transaction, monthly or yearly limit. Third-party deposits are available up to $4,000/transfer. Available only for eligible users/locations after KYC/KYB; the Virtual Account itself does not hold a separate balance.
Account setup
own name
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Supported stablecoins follow the account credit settings. 5 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle · 1 routeExternal crypto sendssoUSDUSDCFUSE1 network
External crypto sends
1 route
Solid / Fuse wallet transfers
Sends supported assets through the listed crypto transfer route.
soUSDUSDCFUSEFuse
- Fee
- 0.01% + No fixed fee
- Speed
- Network-dependent
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
Fee components
- 0.01% · transfer
- No fixed transfer fee
Access path
Via connected wallet
Asset / network map
soUSD: Fuse · USDC: Fuse · FUSE: Fuse
Availability
Solid wallet on Fuse and supported external networks
Account setup
virtual account
05 · Optional product
Earn is separate from the card
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Mixed yield
Solid Savings / soUSD vault
Up to 14% APY
- Yield source
- BoringVault-based soUSD vault strategies
- Yield mechanism
- Mixed strategy
- Protocols
- Morpho, Pendle
- Strategy manager
- Strategist role / BoringVault framework
- Risk exposure
- smart contracts, liquidity, strategy manager, protocol, market, stablecoin peg
- Redemption
- soUSD-to-USDC withdrawals are queued and processed before finalization; no lockup is advertised.
- Assets
- USDC, USDT
- Spend directly from Earn balance
- No
- Withdraw anytime
- Not confirmed
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Solid is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Country-specific card access is listed below. The current model does not yet prove that the list is exhaustive.
Countries explicitly listed49 countries
Antigua and BarbudaArgentinaAustraliaBahamasBangladeshBarbadosBelizeBoliviaBrazilCayman IslandsColombiaCosta RicaCote d'IvoireDominican RepublicEcuadorEgyptEl SalvadorGhanaGrenadaGuatemalaGuyanaHondurasHong KongJapanKenyaMalaysiaMexicoMoroccoNew ZealandPakistanPanamaParaguayPeruPhilippinesSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSenegalSingaporeSouth AfricaSurinameThailandTrinidad and TobagoTurks and Caicos IslandsUgandaUnited Arab EmiratesUnited StatesUruguayZambia
Known restrictions17 countries
BelarusChinaCubaIndiaIranIraqIsraelMyanmarNepalNicaraguaNorth KoreaRussiaSyriaTurkeyUkraineVenezuelaVietnam
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productSolid
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerRain
Issues the card for the applicable programme.
Card issuerThird National
Issues the card and performs issuer functions under the US consumer agreement.
Applies to: Solid / Fuse Network Ltd US consumer card programme.Card processingFuse Network Ltd
Supports card processing for the applicable programme.
Programme operatorFuse Network Ltd
Provides access to the Solid card programme and associated product services.
Applies to: Solid US consumer programme; international terms must be reviewed separately.07 · Methodology
Why the score is 78
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
78/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift87
Cost efficiency
No monthly fee, 1% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support89
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint59
Availability & eligibility
Approved availability facts: 49 supported country records and 17 unavailable country records; kyc is required.
08 · Evidence
Sources
20 sources17 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
CardOfficial source ↗What is the Solid Card | Solid Help CenterOfficial source ↗Card spending limits & merchant rules | Solid Help CenterOfficial source ↗Understanding Solid's Fees | Solid Help CenterOfficial source ↗How cashback works ? and how to spend it | Solid Help CenterOfficial source ↗How does Solid Rewards work? | Solid Help CenterOfficial source ↗
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