KrakKrak
74
Side-by-side card comparison
Krak vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 15 points (89 vs 74). Krak Card looks stronger for Travel and Transfers, while Solid Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Aug 27, 202646 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. Krak Card may be the better fit for Travel and Transfers. 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.
OverallKrak74Solid89Higher score
CashbackKrak40Solid91Higher score
TravelKrak83Solid62Higher score
Funds controlKrak56Solid97Higher score
Lowest feesKrak72Solid89Higher score
TransfersKrak97Solid83Higher score
Choose Krak Card if travel and transfers matter most
Krak Card comes out ahead for Travel and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, Funds control, and Lowest fees 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
- Krak74Solid89
Solid Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Krak$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
- Krak0% base · up to 2%Solid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- KrakCustodial balanceSolidSelf-controlled wallet
Krak Card uses a custodial balance 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
- KrakVirtual + Physical · Apple Pay, Google PaySolidVirtual · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPASolid3 stablecoins · Stablecoin transfers
Krak Card lists more stablecoins and ways to send money out (5 vs 4).
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%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 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.
Krak 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
CardsKrak CardOverall74Solid CardOverall89
Krak CardOverall74Solid CardOverall89Scores
6 fields- Overall Score
- Krak Card74Solid Card89
- Cashback score
- Krak Card40Solid Card91
- Travel score
- Krak Card83Solid Card62
- Funds control score
- Krak Card56Solid Card97
- Lowest fees score
- Krak Card72Solid Card89
- Transfers score
- Krak Card97Solid Card83
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- Krak Card$0Solid Card$0
- FX fee
- Krak Card0–1%Solid Card1%
- Top-up fee
- Krak CardNot disclosedSolid Card0%
- Card spending fee
- Krak Card0%Solid Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeSolid CardNot available
- Virtual card
- Krak CardFreeSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Solid CardPhysical card not listed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Solid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Krak CardMax: 2%Solid CardUltra: 5%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaSolid CardVisa
- Card formats
- Krak CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- Krak CardAvailableSolid CardNot available
- Mobile wallets
- Krak CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/daySolid CardShown in app
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthSolid CardShown in app
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Krak CardOther crypto: Supported cryptoSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferSolid CardUSD virtual account
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPASolid CardStablecoin transfers
- Payout currencies
- Krak CardGBP, EURSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Solid Card3%
- Max cashback
- Krak Card2%Solid Card5%
- Reward currency
- Krak CardGBP, EUR, USD or BTCSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYSolid CardUp to 14% APY
- How it works
- Krak CardOptional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Krak CardYesSolid CardYes
- Use balance for spending
- Krak CardNoSolid CardNo
- Lock-up
- Krak CardNot disclosedSolid CardNot disclosed
Trust & availability
5 fields- Custody
- Krak CardCustodialSolid CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsSolid CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateSolid CardRain, Third National
- Card processing
- Krak CardStripeSolid CardFuse Network Ltd
- Programme operator
- Krak CardPayward Wallet, Inc.Solid CardFuse Network Ltd
Sources
2 fields- Official sources
- Krak Card26Solid Card20
- Last reviewed
- Krak CardAug 27, 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 74 for Krak 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%).
Krak Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Krak Card uses a custodial balance 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.
Krak Card lists more stablecoins and ways to send money out (5 vs 4). 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 Krak Card and Solid Card reviews first.
Continue with
Krak Card
Continue with
Solid Card
05 · Common questions
Krak vs Solid FAQ
Is Krak or Solid better overall?
Solid Card has the higher Overall Score (89 vs 74). 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, Krak 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, Krak or Solid?
Solid Card has the higher published base cashback rate (3% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Solid differ on custody?
Krak Card uses a custodial balance 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 Krak 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.