XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Solid: fees, rewards and account setup
Solid Card has the higher Overall Score by 21 points (89 vs 68). Solid Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where XPlace Card may still be the better personal fit.
Information checked Aug 27, 202646 official sources reviewed
01 · Make the first cut
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. XPlace Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallXPlace68Solid89Higher score
CashbackXPlace49Solid91Higher score
TravelXPlace61Solid62Higher score
Funds controlXPlace67Solid97Higher score
Lowest feesXPlace69Solid89Higher score
TransfersXPlace62Solid83Higher score
Choose XPlace Card if its day-to-day setup suits you
XPlace Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
Choose Solid Card if cashback and travel matter most
Solid Card comes out ahead for Cashback, Travel, 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
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- XPlace68Solid89
Solid Card has the higher Overall Score by 21 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% 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
- XPlace0.5% base · up to 4%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- XPlaceHybrid custodySolidSelf-controlled wallet
XPlace Card uses a hybrid custody 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
- XPlaceVirtual + Physical · Apple Pay, Google PaySolidVirtual · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- XPlace2 stablecoins · Stablecoin transfersSolid3 stablecoins · Stablecoin transfers
Solid Card lists more stablecoins and ways to send money out (4 vs 3).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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.
XPlace 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsXPlace CardOverall68Solid CardOverall89
XPlace CardOverall68Solid CardOverall89Scores
6 fields- Overall Score
- XPlace Card68Solid Card89
- Cashback score
- XPlace Card49Solid Card91
- Travel score
- XPlace Card61Solid Card62
- Funds control score
- XPlace Card67Solid Card97
- Lowest fees score
- XPlace Card69Solid Card89
- Transfers score
- XPlace Card62Solid Card83
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- XPlace Card$0Solid Card$0
- FX fee
- XPlace Card0–1%Solid Card1%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesSolid Card0%
- Card spending fee
- XPlace Card0%Solid Card0%
- ATM fee
- XPlace CardNot availableSolid CardNot available
- Virtual card
- XPlace CardNot disclosedSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Solid CardPhysical card not listed
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- XPlace CardPlatinum: 2%Solid CardUltra: 5%
Everyday use
8 fields- Network
- XPlace CardVisaSolid CardVisa
- Card formats
- XPlace CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- XPlace CardNot availableSolid CardNot available
- Mobile wallets
- XPlace CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsSolid CardShown in app
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthSolid CardShown in app
- ATM limit
- XPlace CardNot available while only the virtual card is liveSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- XPlace CardSolanaSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- XPlace CardStablecoins: USDCSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- XPlace CardNot disclosedSolid CardUSD virtual account
- Transfers
- XPlace CardStablecoin transfersSolid CardStablecoin transfers
- Payout currencies
- XPlace CardNot disclosedSolid CardNot disclosed
Rewards
3 fields- Base cashback
- XPlace Card0.5%Solid Card3%
- Max cashback
- XPlace Card4%Solid Card5%
- Reward currency
- XPlace CardUSDCSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYSolid CardUp to 14% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- XPlace CardYesSolid CardYes
- Use balance for spending
- XPlace CardNoSolid CardNo
- Lock-up
- XPlace CardNoSolid CardNot disclosed
Trust & availability
6 fields- Custody
- XPlace CardHybrid custodySolid CardSelf-custody
- Control until payment
- XPlace CardProvider controls fundsSolid CardYou keep control
- Card issuer
- XPlace CardThird NationalSolid CardRain, Third National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Solid CardFuse Network Ltd
- Identity verification
- XPlace CardSumsubSolid CardNot disclosed
- Programme operator
- XPlace CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- XPlace Card26Solid Card20
- Last reviewed
- XPlace CardAug 27, 2026Solid CardAug 25, 2026
04 · The takeaway
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 68 for XPlace 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 0.5%).
XPlace Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. XPlace Card uses a hybrid custody 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 (4 vs 3). 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 XPlace Card and Solid Card reviews first.
Continue with
XPlace Card
Continue with
Solid Card
05 · Common questions
XPlace vs Solid FAQ
Is XPlace or Solid better overall?
Solid Card has the higher Overall Score (89 vs 68). 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, XPlace 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, XPlace or Solid?
Solid Card has the higher published base cashback rate (3% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and Solid differ on custody?
XPlace Card uses a hybrid custody 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 XPlace vs Solid comparison?
The latest information check for these two cards was August 27, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.