Compare cards

Choose 2–4 cards to compare fees, rewards and everyday use.

Best known Not disclosed

Scroll for more cards and details.

Feature

Scores

Overall Score: Solayer Pay Card
55
XPlace Card
68
Jupiter Card
84
ZEN Card
78

Cashback score: Solayer Pay Card
21
XPlace Card
49
Jupiter Card
88
ZEN Card
40

Travel score: Solayer Pay Card
53
XPlace Card
65
Jupiter Card
75
ZEN Card
98

Funds control score: Solayer Pay Card
47
XPlace Card
67
Jupiter Card
64
ZEN Card
66

Lowest fees score: Solayer Pay Card
43
XPlace Card
65
Jupiter Card
80
ZEN Card
83

Transfers score: Solayer Pay Card
29
XPlace Card
62
Jupiter Card
93
ZEN Card
98

Choosing a card

Best fit

Solayer Pay Card

Solana users funding virtual and physical Visa purchases with USDC.
Spending eligible sUSD balances while they earn a variable yield.

XPlace Card

Choosing between prefunded USDC spending and crypto-backed Credit Mode.
Existing Kamino users who want a card linked to eligible collateral.

Jupiter Card

Spending USDC from Solana, Sui, Arbitrum or Base through Jupiter Spend.
Earning 2% in USDC on eligible purchases, capped at $100/month.

ZEN Card

Combining multi-currency card spending, SEPA transfers and crypto cash-outs.
Shopping with participating online merchants for offer-specific cashback.

Before you choose

Solayer Pay Card

The base plan costs $20/year; top-ups can add up to 1% and delivery is extra.
Emerald Points have no fixed cash conversion or guaranteed future token value.

XPlace Card

Cash Mode earns no cashback; rewards require collateral-backed borrowing.
Borrowing APR is shown in-app; falling collateral can trigger liquidation.

Jupiter Card

Residence determines the issuer: Rain charges 1% FX, while DCS charges 1.8%.
Rewards can fund purchases, but external withdrawals from rewards are disabled.

ZEN Card

Good charges 1% for crypto top-ups; card spending uses the converted fiat balance.
Legacy plans change after notice; exchange allowances depend on the new plan.

Costs

Plan cost: Solayer Pay Card
$20/year
XPlace Card
$0
Jupiter Card
$0
ZEN Card
$0

FX fee: Solayer Pay Card
Up to 3% stated + $0.10; components may stack
XPlace Card
0–1%
Jupiter Card
1–1.8%
ZEN Card
0.1–0.5%

Top-up fee: Solayer Pay Card
1%
XPlace Card
Provider fee not published; external network or bridge costs may apply and are not card fees
Jupiter Card
No Jupiter deposit fee. External GUM bridge: max($0.30, 0.02%) for stablecoins from other networks; non-stablecoin routes add bridge and swap costs. Source-network gas is separate
ZEN Card
Good crypto top-up: 1%. Card-funded top-ups and other new-plan routes: check the current tariff. Legacy card-funded rates apply only until migration

Card spending fee: Solayer Pay Card
$0.15
XPlace Card
0%
Jupiter Card
0%
ZEN Card
0%

ATM fee: Solayer Pay Card
Not disclosed
XPlace Card
Not available
Jupiter Card
Not available
ZEN Card
0–1.75%

Virtual card: Solayer Pay Card
$0 virtual card; included with the $20/year Solayer Pay base plan
XPlace Card
Not disclosed
Jupiter Card
Not disclosed
ZEN Card
Good includes a virtual card; Best includes up to 6. Other allowances follow the new plan tariff.

Physical card: Solayer Pay Card
Free card; US Express shipping $24.99 or International Express shipping $59.99
XPlace Card
Silver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Jupiter Card
$13.13 plus destination-dependent shipping
ZEN Card
Better and Best include 1 physical card. Good pricing and delivery totals need the current quote; ZEN Metal is coming soon.

Plans

Available plans: Solayer Pay Card
1 plans: Solayer Pay
XPlace Card
4 plans: Basic, Silver, Gold, Platinum
Jupiter Card
Not disclosed
ZEN Card
4 plans: Good, Better, Best, ZEN

Top cashback plan: Solayer Pay Card
Not disclosed
XPlace Card
Platinum: 2%
Jupiter Card
Not disclosed
ZEN Card
Good: 0%

Everyday use

Network: Solayer Pay Card
Visa
XPlace Card
Visa
Jupiter Card
Visa
ZEN Card
Mastercard/Visa

Card formats: Solayer Pay Card
Virtual, Physical
XPlace Card
Virtual, Physical
Jupiter Card
Virtual, Physical
ZEN Card
Virtual, Physical

ATM withdrawals: Solayer Pay Card
Available
XPlace Card
Not disclosed
Jupiter Card
Not disclosed
ZEN Card
Available

Mobile wallets: Solayer Pay Card
Apple Pay, Google Pay
XPlace Card
Apple Pay, Google Pay
Jupiter Card
Apple Pay, Google Pay
ZEN Card
Apple Pay, Google Pay

Apps: Solayer Pay Card
iOS, Android
XPlace Card
iOS, Android
Jupiter Card
iOS, Android
ZEN Card
iOS, Android, Web

Daily spending limit: Solayer Pay Card
Shown in app
XPlace Card
No provider-set daily amount published; users can set their own daily, weekly and monthly controls
Jupiter Card
DCS: $50,000/day; Rain: no disclosed daily limit
ZEN Card
Standard €10,000/day; maximum €30,000/day (currency equivalents also published)

Monthly spending limit: Solayer Pay Card
Shown in app
XPlace Card
Basic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
Jupiter Card
Monthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limit
ZEN Card
Not publicly confirmed

ATM limit: Solayer Pay Card
Limits shown in app
XPlace Card
Not available while only the virtual card is live
Jupiter Card
Region-dependent; no reusable public ATM limit
ZEN Card
Standard €2,000/day; maximum €30,000/day (currency equivalents also published)

Funding & transfers

Networks: Solayer Pay Card
Solana
XPlace Card
Solana
Jupiter Card
Solana, Sui, Arbitrum, Base, Ethereum
ZEN Card
Not disclosed

Crypto deposits: Solayer Pay Card
Stablecoins: USDC
XPlace Card
Stablecoins: USDC
Jupiter Card
Stablecoins: USDC, USDT
ZEN Card
Stablecoins: USDT, USDC; Other crypto: BTC, ETH

Fiat deposits: Solayer Pay Card
Not disclosed
XPlace Card
Not disclosed
Jupiter Card
USD virtual account receive, EUR virtual account receive
ZEN Card
SEPA bank transfer, Payment-card top-up

Transfers: Solayer Pay Card
Not disclosed
XPlace Card
Stablecoin transfers
Jupiter Card
Stablecoin transfers; Noah local and SWIFT payouts
ZEN Card
Stablecoin transfers; Card-to-card transfer; SEPA transfers

Payout currencies: Solayer Pay Card
Not disclosed
XPlace Card
Not disclosed
Jupiter Card
AED, BRL, CAD, EUR, GBP, IDR, INR, MYR +7
ZEN Card
EUR

Rewards

Base cashback: Solayer Pay Card
0%
XPlace Card
0.5%
Jupiter Card
2%
ZEN Card
0%

Max cashback: Solayer Pay Card
Not disclosed
XPlace Card
2%
Jupiter Card
4%
ZEN Card
Not disclosed

Reward currency: Solayer Pay Card
Emerald Points
XPlace Card
USDC
Jupiter Card
USDC
ZEN Card
Transaction currency

Earn

Advertised APY: Solayer Pay Card
Up to 3.5% APY
XPlace Card
Up to 6.15% APY
Jupiter Card
Not disclosed
ZEN Card
Not offered

How it works: Solayer Pay Card
Earn on spending balance
XPlace Card
Borrow against collateral, Optional earn vault
Jupiter Card
Optional earn vault
ZEN Card
Not offered

Separate deposit: Solayer Pay Card
No
XPlace Card
Yes
Jupiter Card
Yes
ZEN Card
Not offered

Use balance for spending: Solayer Pay Card
Yes
XPlace Card
No
Jupiter Card
No
ZEN Card
Not offered

Lock-up: Solayer Pay Card
No
XPlace Card
No
Jupiter Card
No
ZEN Card
Not offered

Trust & availability

Custody: Solayer Pay Card
Custodial
XPlace Card
Hybrid custody
Jupiter Card
Custodial
ZEN Card
Custodial

Control until payment: Solayer Pay Card
Provider controls funds
XPlace Card
Provider controls funds
Jupiter Card
Provider controls funds
ZEN Card
Provider controls funds

Card issuer: Solayer Pay Card
Third National
XPlace Card
Third National
Jupiter Card
Rain, DCS
ZEN Card
UAB ZEN.COM

Card processing: Solayer Pay Card
Not disclosed
XPlace Card
Signify Holdings, Inc. (Rain)
Jupiter Card
Not disclosed
ZEN Card
Not disclosed

Deposits & withdrawals: Solayer Pay Card
Not disclosed
XPlace Card
Not disclosed
Jupiter Card
Noah
ZEN Card
Triple A Technologies Pte Ltd, Coreline Solutions LLC

Identity verification: Solayer Pay Card
Sumsub
XPlace Card
Sumsub
Jupiter Card
Sumsub
ZEN Card
Not disclosed

Programme operator: Solayer Pay Card
Solayer Labs, Inc.
XPlace Card
Not disclosed
Jupiter Card
Not disclosed
ZEN Card
Not disclosed

Sources

Official sources: Solayer Pay Card
25
XPlace Card
27
Jupiter Card
28
ZEN Card
43

Last reviewed: Solayer Pay Card
Aug 12, 2026
XPlace Card
Sep 20, 2026
Jupiter Card
Oct 14, 2026
ZEN Card
Oct 20, 2026

Signup offers

Jupiter Card

Get $20

$20 after qualifying Jupiter Card spend

Activate the Jupiter Card.
Spend $1,000 on qualifying card purchases within 30 days of activation.

Jupiter Card promo codeZEJ8C4ZS

Offer terms can change. Check the current Jupiter Spend referral programme before applying.

Get Jupiter Read review

See other offers

Bonuses do not affect scores.

Compare cards

Compare the details

Signup offers

Get $20