FoldFold Debit
72
Side-by-side card comparison
Fold Debit vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 13 points (85 vs 72). Fold Debit Card looks stronger for Travel, while Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202649 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Fold Debit 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.
OverallFold Debit72Solid85Higher score
CashbackFold Debit44Solid89Higher score
TravelFold Debit78Solid58Higher score
Funds controlFold Debit59Solid94Higher score
Lowest feesFold Debit71Solid81Higher score
TransfersFold Debit77Solid78Higher score
Choose Fold Debit Card if travel matters most
Fold Debit 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.
- Several USD funding routes
- Physical card and phone wallets
- BTC rewards in the Reserve rollout
Choose Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, Funds control, 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.
- Savings can stay productive while spending
- Higher rates in selected categories
- Eligible ACH/wire receive details
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
- Fold Debit72Solid85
Solid Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Fold Debit$0 plan · $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate FXSolid$0 plan · 0–2% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Fold Debit0% base · up to 15%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- Fold DebitCustodial balanceSolidSelf-controlled wallet
Fold Debit Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Fold DebitVirtual + Physical · Apple Pay, Google PaySolidVirtual · Apple Pay, Google Pay
Fold Debit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Fold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill paySolid4 stablecoins · Stablecoin transfers
Solid Card lists more stablecoins and ways to send money out (6 vs 4).
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
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separate
- ATM fee
- $3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separate
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 2 fiat
- Cashback
- 3%-5%
- Plan cost
- $0
- FX fee
- 0–2%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 17 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Fold Debit Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link, verify identity and activate the Solid Card.
- Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
- After qualification, make one more eligible purchase of at least $10 before payout.
Solid Card promo code15QRE
The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsFold Debit CardOverall72Solid CardOverall85
Fold Debit CardOverall72Solid CardOverall85Scores
6 fields- Overall Score
- Fold Debit Card72Solid Card85
- Cashback score
- Fold Debit Card44Solid Card89
- Travel score
- Fold Debit Card78Solid Card58
- Funds control score
- Fold Debit Card59Solid Card94
- Lowest fees score
- Fold Debit Card71Solid Card81
- Transfers score
- Fold Debit Card77Solid Card78
Strengths & trade-offs
2 fields- Strengths
- Fold Debit CardSeveral USD funding routes, Physical card and phone walletsSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- Fold Debit CardU.S.-only applications, Free-plan ATM and foreign feesSolid CardHigher tiers require payment or locked FUSE, ATM availability is still being checked
Costs
7 fields- Plan cost
- Fold Debit Card$0Solid Card$0
- FX fee
- Fold Debit Card$3 fixed foreign-purchase fee; waived at $5,000 Reserve or under legacy Fold+; Visa conversion separateSolid Card0–2%
- Top-up fee
- Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separateSolid Card0%
- Card spending fee
- Fold Debit Card0%Solid Card0%
- ATM fee
- Fold Debit Card$3.50 Fold fee; waived at $5,000 Reserve or under legacy Fold+; operator fees separateSolid CardNot available
- Virtual card
- Fold Debit CardNot disclosedSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Fold Debit Card$0 card purchase feeSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Fold Debit Card9 plans: Fold (legacy), Fold+ (legacy), Reserve base, Reserve $5,000 +5Solid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Fold Debit CardReserve $100,000: 3%Solid CardUltra: 5%
Everyday use
8 fields- Network
- Fold Debit CardVisaSolid CardVisa
- Card formats
- Fold Debit CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- Fold Debit CardAvailableSolid CardNot available
- Mobile wallets
- Fold Debit CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Fold Debit CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- Fold Debit Card$15,000 per transaction and per daySolid CardShown in app
- Monthly spending limit
- Fold Debit Card$50,000 per monthSolid CardShown in app
- ATM limit
- Fold Debit Card$250 per withdrawal; $1,000 daily and monthlySolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Fold Debit CardNot disclosedSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Fold Debit CardNot disclosedSolid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Fold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card fundingSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- Transfers
- Fold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill paySolid CardStablecoin transfers
- Payout currencies
- Fold Debit CardUSD, USD cash equivalentSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Fold Debit Card0%Solid Card3%
- Max cashback
- Fold Debit Card15%Solid Card5%
- Reward currency
- Fold Debit CardBitcoinSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Fold Debit CardNot offeredSolid CardUp to 14% APY
- How it works
- Fold Debit CardNot offeredSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Fold Debit CardNot offeredSolid CardYes
- Use balance for spending
- Fold Debit CardNot offeredSolid CardNo
- Lock-up
- Fold Debit CardNot offeredSolid CardNot disclosed
Trust & availability
7 fields- Custody
- Fold Debit CardCustodialSolid CardSelf-custody
- Control until payment
- Fold Debit CardProvider controls fundsSolid CardYou keep control
- Card issuer
- Fold Debit CardSutton BankSolid CardRain, Third National, Wirex
- Card processing
- Fold Debit CardMarqeta, Inc.Solid CardFuse Network Ltd
- Custody / key management
- Fold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLCSolid CardNot disclosed
- Bank transfers
- Fold Debit CardPlaid Inc., Astra, Inc.Solid CardNot disclosed
- Programme operator
- Fold Debit CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Fold Debit Card29Solid Card20
- Last reviewed
- Fold Debit CardOct 6, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 72 for Fold Debit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Solid Card has the higher published base cashback rate (3% vs 0%).
Fold Debit 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. Fold Debit Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Solid Card lists more stablecoins and ways to send money out (6 vs 4). 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 Fold Debit Card and Solid Card reviews first.
Continue with
Fold Debit Card
Continue with
Solid Card
05 · Common questions
Fold Debit vs Solid FAQ
Is Fold Debit or Solid better overall?
Solid Card has the higher Overall Score (85 vs 72). 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, Fold Debit or Solid?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Fold Debit or Solid?
Solid Card has the higher published base cashback rate (3% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fold Debit and Solid differ on custody?
Fold Debit Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Fold Debit vs Solid comparison?
The latest information check for these two cards was October 11, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.