SolidSolid
85
Side-by-side card comparison
Solid vs Lava: overall score versus use-case fit
Solid Card has the higher Overall Score by 23 points (85 vs 62). Solid Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Lava Card comes out ahead for Transfers.
Information checked Oct 11, 202648 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. Lava Card may be the better fit for Transfers. 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.
OverallSolid85Lava62Higher score
CashbackSolid89Lava36Higher score
TravelSolid58Lava46Higher score
Funds controlSolid94Lava56Higher score
Lowest feesSolid81Lava59Higher score
TransfersSolid78Lava80Higher score
Choose Solid Card if cashback and travel matter most
Solid Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees 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
Choose Lava Card if transfers matters most
Lava Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
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
- Solid85Lava62
Solid Card has the higher Overall Score by 23 points.
- Entry cost & FX
- Solid$0 plan · 0–2% FXLava$0 plan · 0% provider FX fee FX
Lava Card has the lower published FX fee (0% provider FX fee vs 0–2%).
- Purchase rewards
- Solid3% base · up to 5%LavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- SolidSelf-controlled walletLavaHybrid custody
Solid Card uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- SolidVirtual · Apple Pay, Google PayLavaCard format not disclosed · Apple Pay, Google Pay
Solid Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Solid4 stablecoins · Stablecoin transfersLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
Solid Card lists more stablecoins and ways to send money out (6 vs 5).
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
- 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
- Cashback
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 1 crypto · 2 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.
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.
Lava Card
No active signup offer listed
We do not currently list an active signup offer for this card.
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
CardsSolid CardOverall85Lava CardOverall62
Solid CardOverall85Lava CardOverall62Scores
6 fields- Overall Score
- Solid Card85Lava Card62
- Cashback score
- Solid Card89Lava Card36
- Travel score
- Solid Card58Lava Card46
- Funds control score
- Solid Card94Lava Card56
- Lowest fees score
- Solid Card81Lava Card59
- Transfers score
- Solid Card78Lava Card80
Strengths & trade-offs
2 fields- Strengths
- Solid CardSavings can stay productive while spending, Higher rates in selected categoriesLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- Solid CardHigher tiers require payment or locked FUSE, ATM availability is still being checkedLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- Solid Card$0Lava Card$0
- FX fee
- Solid Card0–2%Lava Card0% provider FX fee
- Top-up fee
- Solid Card0%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- Solid Card0%Lava CardNot disclosed
- ATM fee
- Solid CardNot availableLava Card2%; min $1
- Virtual card
- Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or SavingsLava CardNot disclosed
- Physical card
- Solid CardPhysical card not listedLava CardNot disclosed
Plans
2 fields- Available plans
- Solid Card3 plans: Core, Prime, UltraLava CardNot disclosed
- Top cashback plan
- Solid CardUltra: 5%Lava CardNot disclosed
Everyday use
8 fields- Network
- Solid CardVisaLava CardVisa
- Card formats
- Solid CardVirtualLava CardNot disclosed
- ATM withdrawals
- Solid CardNot availableLava CardNot disclosed
- Mobile wallets
- Solid CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- Solid CardiOS, Android, WebLava CardiOS, Android, Web
- Daily spending limit
- Solid CardShown in appLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- Solid CardShown in appLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- Solid CardNot disclosedLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, ArbitrumLava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- Solid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSELava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- Solid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13Lava CardLava account bank funding
- Transfers
- Solid CardStablecoin transfersLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- Solid CardNot disclosedLava CardUSD, EUR
Rewards
3 fields- Base cashback
- Solid Card3%Lava CardNot disclosed
- Max cashback
- Solid Card5%Lava Card5%
- Reward currency
- Solid CardUSDC cashbackLava CardBTC
Earn
5 fields- Advertised APY
- Solid CardUp to 14% APYLava CardUp to 6.5% APY
- How it works
- Solid CardBorrow against collateral, Optional earn vaultLava CardOptional earn vault
- Separate deposit
- Solid CardYesLava CardYes
- Use balance for spending
- Solid CardNoLava CardNo
- Lock-up
- Solid CardNot disclosedLava CardNo
Trust & availability
5 fields- Custody
- Solid CardSelf-custodyLava CardHybrid custody
- Control until payment
- Solid CardYou keep controlLava CardProvider controls funds
- Card issuer
- Solid CardRain, Third National, WirexLava CardThird National
- Card processing
- Solid CardFuse Network LtdLava CardNot disclosed
- Programme operator
- Solid CardFuse Network LtdLava CardNot disclosed
Sources
2 fields- Official sources
- Solid Card20Lava Card28
- Last reviewed
- Solid CardOct 11, 2026Lava CardOct 6, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 62 for Lava Card. Lava Card has the lower published FX fee (0% provider FX fee vs 0–2%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Lava Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Solid Card uses a self-controlled wallet setup, while Lava Card uses a hybrid custody 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 5). 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 Solid Card and Lava Card reviews first.
Continue with
Solid Card
Continue with
Lava Card
05 · Common questions
Solid vs Lava FAQ
Is Solid or Lava better overall?
Solid Card has the higher Overall Score (85 vs 62). 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, Solid or Lava?
Lava Card has the lower published FX fee (0% provider FX fee vs 0–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Solid or Lava?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solid and Lava differ on custody?
Solid Card uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Solid vs Lava comparison?
The latest information check for these two cards was October 11, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.