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MPChat

MPChat Card

52Overall

Best fit

MPChat Pay users allocating USDT to a separate Visa spending balance.
Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.

Read review

Solid

Solid Card

86Overall

Best fit

Core users earning 3% in USDC after Rewards opt-in, capped at $50/month.
Wirex users paying in EUR with 0% FX when EURC covers the full purchase.

Before you choose

Cashback arrives 14 days after settlement; savings boosts pay in soFUSE.
Category boosts cover the first qualifying purchase per category each month.

Read review

2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

MPChat Card52

Solid Card86

Scores

Overall Score: MPChat Card: 52
Solid Card: 86

Cashback score: MPChat Card: 18
Solid Card: 89

Travel score: MPChat Card: 72
Solid Card: 57

Funds control score: MPChat Card: 41
Solid Card: 95

Lowest fees score: MPChat Card: 60
Solid Card: 82

Transfers score: MPChat Card: 58
Solid Card: 93

Costs

Plan cost: MPChat Card: $0
Solid Card: $0

FX fee: MPChat Card: 0%
Solid Card: 1.5%

Top-up fee: MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Solid Card: 0.03–0.1%

Card spending fee: MPChat Card: 0.8%
Solid Card: 0%

ATM fee: MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Solid Card: Not available

Virtual card: MPChat Card: Cloud: 10 USDT one time
Solid Card: Virtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings

Physical card: MPChat Card: $100
Solid Card: Physical card not listed

Plans & rewards

Entry plan: MPChat Card: Cloud Card
Solid Card: Core

Base cashback: MPChat Card: Not disclosed
Solid Card: 3%

Max cashback: MPChat Card: Not disclosed
Solid Card: 5%

Reward currency: MPChat Card: Not disclosed
Solid Card: USDC

Cashback cap · entry plan: MPChat Card: Not disclosed
Solid Card: $50 / month

Full-rate spend · entry plan: MPChat Card: Not disclosed
Solid Card: $1,667 / month

Rate after spend cap · entry plan: MPChat Card: Not disclosed
Solid Card: 0% on general purchases

Top cashback plan: MPChat Card: Not disclosed
Solid Card: Ultra

Cashback on top plan: MPChat Card: Not disclosed
Solid Card: 5% in USDC

Cashback cap · top plan: MPChat Card: Not disclosed
Solid Card: $200 / month

Full-rate spend · top plan: MPChat Card: Not disclosed
Solid Card: $4,000 / month

Rate after spend cap · top plan: MPChat Card: Not disclosed
Solid Card: 0% on general purchases

Top plan price / access: MPChat Card: Not disclosed
Solid Card: 600k FUSE · 12-month lock

Top plan qualification: MPChat Card: Not disclosed
Solid Card: Lock 600,000 FUSE for 12 months

Reward payout: MPChat Card: Not disclosed
Solid Card: See payout schedule

Programme opt-in: MPChat Card: Not disclosed
Solid Card: Required

AI Subscriptions rewards: MPChat Card: Not listed
Solid Card: 20% · Ultra

Streaming Subscriptions rewards: MPChat Card: Not listed
Solid Card: 20% · Ultra

Music Subscriptions rewards: MPChat Card: Not listed
Solid Card: 20% · Ultra

Rides rewards: MPChat Card: Not listed
Solid Card: 10% · Ultra

Direct Airline Bookings rewards: MPChat Card: Not listed
Solid Card: 10% · Ultra

Everyday use

Network: MPChat Card: Visa
Solid Card: Visa

Card formats: MPChat Card: Virtual, Physical
Solid Card: Virtual

ATM withdrawals: MPChat Card: Available
Solid Card: Not available

Mobile wallets: MPChat Card: Google Pay
Solid Card: Apple Pay, Google Pay

Apps: MPChat Card: Not disclosed
Solid Card: iOS, Android, Web

Daily spending limit: MPChat Card: $250,000 / day
Solid Card: Dynamic / shown in app

Monthly spending limit: MPChat Card: $1,000,000 / month
Solid Card: Dynamic / shown in app

ATM limit: MPChat Card: $1,500 / day
Solid Card: Unknown

Money in & out

Networks: MPChat Card: Tron (TRC20)
Solid Card: Fuse, Ethereum, BNB Smart Chain, Polygon, Base +1

Stablecoin deposits: MPChat Card: USDT
Solid Card: soUSD, USDC, USDT, FUSE, EURC

Other crypto deposits: MPChat Card: Not disclosed
Solid Card: soETH, VOLT, WBTC, WETH, WFUSE

Fiat deposits: MPChat Card: Not disclosed
Solid Card: USD virtual account, TransFi ARS funding, TransFi COP funding +14

Crypto transfers: MPChat Card: External USDT withdrawal
Solid Card: Solid / Fuse wallet transfers

Internal transfers: MPChat Card: Not disclosed
Solid Card: Not disclosed

Bank transfers: MPChat Card: Not disclosed
Solid Card: Bank withdrawal

Payout currencies: MPChat Card: Not disclosed
Solid Card: Not disclosed

Earn

Advertised APY: MPChat Card: Not offered
Solid Card: Up to 14% APY

How it works: MPChat Card: Not offered
Solid Card: Borrow against collateral, Optional earn vault

Separate deposit: MPChat Card: Not offered
Solid Card: Yes

Use balance for spending: MPChat Card: Not offered
Solid Card: Not disclosed

Lock-up: MPChat Card: Not offered
Solid Card: Not disclosed

Trust & sources

Custody: MPChat Card: Custodial
Solid Card: Self-custody

Control until payment: MPChat Card: Provider controls funds
Solid Card: You keep control

Card issuer: MPChat Card: Not disclosed
Solid Card: Rain, Third National, Wirex

Card processing: MPChat Card: Not disclosed
Solid Card: Fuse Network Ltd

Programme operator: MPChat Card: Not disclosed
Solid Card: Fuse Network Ltd

Official sources: MPChat Card: 30
Solid Card: 20

Last reviewed: MPChat Card: Nov 12, 2026
Solid Card: Nov 12, 2026

Sign-up Offers

MPChat Card

Partner offer

5 USDT after first virtual card approval

Complete application and card approval; the reward is credited to MPChat Pay after approval.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Offer details & conditions

Download MPChat through this referral link.

Download MPChat through the referral link.

Enter coupon ID 76912265 during activation of your first virtual card.

Enter this coupon ID during first virtual card activation76912265

The offer is for a referred user's first virtual card; Boundless physical-card activation is not confirmed as eligible.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Get MPChat Read review

Solid Card

Partner offer

$25 in FUSE

Within 30 days of signup: $150 at 3+ shops, at least $10 at each. Eligible purchases only; those under $2 do not count.

Then make one more eligible purchase of $10+ before payout.

Offer details & conditions

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.

Rewards normally pay in FUSE to Savings 30 days after qualification; review can add up to 14 days. Refunds, pending payments, wallet/card top-ups, gift cards, transfers, financial services and other excluded categories do not qualify.

If the referral is not shown automatically, use this promo code.15QRE

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.

Get Solid Read review

See other offers

Partner links may earn us a commission. They never affect scores or rankings. Affiliate disclosure

Using the comparison

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Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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