Ethena PayEthena Pay
86
Side-by-side card comparison
Ethena Pay vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 3 points (89 vs 86). Ethena Pay Card looks stronger for Travel, while Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202632 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. Ethena Pay 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.
OverallEthena Pay86Solid89Higher score
CashbackEthena Pay89Solid91Higher score
TravelEthena Pay64Solid62Higher score
Funds controlEthena Pay86Solid97Higher score
Lowest feesEthena Pay87Solid89Higher score
TransfersEthena Pay82Solid83Higher score
Choose Ethena Pay Card if travel matters most
Ethena Pay 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.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
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
- Up to 50% on eligible AI subscriptions
- 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
- Ethena Pay86Solid89
Solid Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Ethena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FXSolid$0 plan · 1% FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1%).
- Purchase rewards
- Ethena Pay4% base · up to 5%Solid3% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 3%).
- Funds control
- Ethena PayHybrid custodySolidSelf-controlled wallet
Ethena Pay 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
- Ethena PayVirtual · Apple PaySolidVirtual · Apple Pay, Google Pay
Solid Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Ethena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawalSolid3 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 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.
Ethena Pay 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
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
CardsEthena Pay CardOverall86Solid CardOverall89
Ethena Pay CardOverall86Solid CardOverall89Scores
6 fields- Overall Score
- Ethena Pay Card86Solid Card89
- Cashback score
- Ethena Pay Card89Solid Card91
- Travel score
- Ethena Pay Card64Solid Card62
- Funds control score
- Ethena Pay Card86Solid Card97
- Lowest fees score
- Ethena Pay Card87Solid Card89
- Transfers score
- Ethena Pay Card82Solid Card83
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markupSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation riskSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- Ethena Pay Card$0Solid Card$0
- FX fee
- Ethena Pay Card0% Ethena Pay markup; Visa rate appliesSolid Card1%
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separateSolid Card0%
- Card spending fee
- Ethena Pay Card0%Solid Card0%
- ATM fee
- Ethena Pay CardNot availableSolid CardNot available
- Virtual card
- Ethena Pay CardUSD 0Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Ethena Pay CardNot disclosedSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIPSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Ethena Pay CardVIP: 5%Solid CardUltra: 5%
Everyday use
8 fields- Network
- Ethena Pay CardVisaSolid CardVisa
- Card formats
- Ethena Pay CardVirtualSolid CardVirtual
- ATM withdrawals
- Ethena Pay CardNot availableSolid CardNot available
- Mobile wallets
- Ethena Pay CardApple PaySolid CardApple Pay, Google Pay
- Apps
- Ethena Pay CardiOS, WebSolid CardiOS, Android, Web
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market valueSolid CardShown in app
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market valueSolid CardShown in app
- ATM limit
- Ethena Pay CardNot availableSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, ArbitrumSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Ethena Pay CardNot disclosedSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Ethena Pay CardNot disclosedSolid CardUSD virtual account
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawalSolid CardStablecoin transfers
- Payout currencies
- Ethena Pay CardNot disclosedSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Ethena Pay Card4%Solid Card3%
- Max cashback
- Ethena Pay Card5%Solid Card5%
- Reward currency
- Ethena Pay CardAVAXSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APYSolid CardUp to 14% APY
- How it works
- Ethena Pay CardEarn on spending balanceSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Ethena Pay CardNoSolid CardYes
- Use balance for spending
- Ethena Pay CardYesSolid CardNo
- Lock-up
- Ethena Pay CardNoSolid CardNot disclosed
Trust & availability
6 fields- Custody
- Ethena Pay CardHybrid custodySolid CardSelf-custody
- Control until payment
- Ethena Pay CardYou keep controlSolid CardYou keep control
- Card issuer
- Ethena Pay CardThird NationalSolid CardRain, Third National
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a RainSolid CardFuse Network Ltd
- Identity verification
- Ethena Pay CardSumsubSolid CardNot disclosed
- Programme operator
- Ethena Pay CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Ethena Pay Card12Solid Card20
- Last reviewed
- Ethena Pay CardSep 1, 2026Solid CardAug 25, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 86 for Ethena Pay Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1%). Ethena Pay Card has the higher published base cashback rate (4% vs 3%).
Ethena Pay 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. Ethena Pay 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.
Both cards list the same number of stablecoins and ways to send money out. 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 Ethena Pay Card and Solid Card reviews first.
Continue with
Ethena Pay Card
Continue with
Solid Card
05 · Common questions
Ethena Pay vs Solid FAQ
Is Ethena Pay or Solid better overall?
Solid Card has the higher Overall Score (89 vs 86). 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, Ethena Pay or Solid?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Ethena Pay or Solid?
Ethena Pay Card has the higher published base cashback rate (4% vs 3%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Ethena Pay and Solid differ on custody?
Ethena Pay 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 Ethena Pay vs Solid comparison?
The latest information check for these two cards was September 1, 2026, using 32 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.