XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 17 points (85 vs 68). XPlace Card looks stronger for Travel, while Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202647 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. XPlace 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.
OverallXPlace68Solid85Higher score
CashbackXPlace49Solid89Higher score
TravelXPlace65Solid58Higher score
Funds controlXPlace67Solid94Higher score
Lowest feesXPlace65Solid81Higher score
TransfersXPlace62Solid78Higher score
Choose XPlace Card if travel matters most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- Higher rates in selected categories
- 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
- XPlace68Solid85
Solid Card has the higher Overall Score by 17 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXSolid$0 plan · 0–2% FX
XPlace Card has the lower published FX fee (0–1% vs 0–2%).
- Purchase rewards
- XPlace0.5% base · up to 2%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 transfersSolid4 stablecoins · Stablecoin transfers
Solid Card lists more stablecoins and ways to send money out (6 vs 3).
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
- 0.5%-2%
- 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
- 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
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
$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.
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
CardsXPlace CardOverall68Solid CardOverall85
XPlace CardOverall68Solid CardOverall85Scores
6 fields- Overall Score
- XPlace Card68Solid Card85
- Cashback score
- XPlace Card49Solid Card89
- Travel score
- XPlace Card65Solid Card58
- Funds control score
- XPlace Card67Solid Card94
- Lowest fees score
- XPlace Card65Solid Card81
- Transfers score
- XPlace Card62Solid Card78
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsSolid CardSavings can stay productive while spending, Higher rates in selected categories
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersSolid CardHigher tiers require payment or locked FUSE, ATM availability is still being checked
Costs
7 fields- Plan cost
- XPlace Card$0Solid Card$0
- FX fee
- XPlace Card0–1%Solid Card0–2%
- 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 disclosedSolid 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, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- XPlace CardNot disclosedSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- 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 Card2%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, Wirex
- 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 Card27Solid Card20
- Last reviewed
- XPlace CardSep 20, 2026Solid CardOct 11, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 85 versus 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs 0–2%). Solid Card has the higher published base cashback rate (3% vs 0.5%).
XPlace 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. 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 (6 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 (85 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?
XPlace Card has the lower published FX fee (0–1% 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, 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 October 11, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.