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 17 points (89 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 Aug 25, 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 Debit72Solid89Higher score
CashbackFold Debit40Solid91Higher score
TravelFold Debit78Solid62Higher score
Funds controlFold Debit59Solid97Higher score
Lowest feesFold Debit71Solid89Higher score
TransfersFold Debit77Solid83Higher 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
- Fold+ bitcoin rewards
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
- Up to 50% on eligible AI subscriptions
- 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 Debit72Solid89
Solid Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Fold Debit$0 plan · $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred FXSolid$0 plan · 1% 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 paySolid3 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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 provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- ATM fee
- $3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- 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
- 1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 1 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
Get $15
$15 new-user bonus after qualifying card spend
- Activate the Solid Card.
- Complete $75 of card spend.
Solid Card promo code15QRE
Solid may change or end the referral programme; check the current Rewards Terms before signing up.
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 CardOverall89
Fold Debit CardOverall72Solid CardOverall89Scores
6 fields- Overall Score
- Fold Debit Card72Solid Card89
- Cashback score
- Fold Debit Card40Solid Card91
- Travel score
- Fold Debit Card78Solid Card62
- Funds control score
- Fold Debit Card59Solid Card97
- Lowest fees score
- Fold Debit Card71Solid Card89
- Transfers score
- Fold Debit Card77Solid Card83
Strengths & trade-offs
2 fields- Strengths
- Fold Debit CardSeveral USD funding routes, Physical card and phone walletsSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- Fold Debit CardU.S.-only applications, Free-plan ATM and foreign feesSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- Fold Debit Card$0Solid Card$0
- FX fee
- Fold Debit Card$3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferredSolid Card1%
- 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 provider fee for the free plan; $0 for Fold+; operator fees may applySolid 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 Card2 plans: Fold, Fold+Solid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Fold Debit CardFold+: 0.5%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; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Fold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card fundingSolid CardUSD virtual account
- 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
- 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 CardAug 14, 2026Solid CardAug 25, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 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.
Both cards list the same number of stablecoins and ways to send money out. 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 (89 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 August 25, 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.