SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Spritz: overall score versus use-case fit
Spritz Card has the higher Overall Score by 7 points (62 vs 55). Solayer Pay Card looks stronger for Travel, while Spritz Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Aug 28, 202666 official sources reviewed
01 · Overall score versus use-case fit
Spritz Card is the better all-round starting point
Spritz Card has the higher Overall Score in this comparison. Solayer 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.
OverallSolayer Pay55Spritz62Higher score
CashbackSolayer Pay20Spritz34Higher score
TravelSolayer Pay53Spritz46Higher score
Funds controlSolayer Pay47Spritz62Higher score
Lowest feesSolayer Pay43Spritz44Higher score
TransfersSolayer Pay29Spritz64Higher score
Choose Solayer Pay Card if travel matters most
Solayer 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
Choose Spritz Card if cashback and funds control matter most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Solayer Pay55Spritz62
Spritz Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
Spritz Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solayer Pay0% baseSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Solayer PayCustodial balanceSpritzHybrid custody
Solayer Pay Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Solayer Pay1 stablecoin · Not modeledSpritz0 stablecoins · Wallet-to-bank Off-Ramp
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
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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
CardsSolayer Pay CardOverall55Spritz CardOverall62
Solayer Pay CardOverall55Spritz CardOverall62Scores
6 fields- Overall Score
- Solayer Pay Card55Spritz Card62
- Cashback score
- Solayer Pay Card20Spritz Card34
- Travel score
- Solayer Pay Card53Spritz Card46
- Funds control score
- Solayer Pay Card47Spritz Card62
- Lowest fees score
- Solayer Pay Card43Spritz Card44
- Transfers score
- Solayer Pay Card29Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearSpritz Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Solayer Pay Card1%Spritz Card1–3%
- Card spending fee
- Solayer Pay Card$0.15Spritz Card0%
- ATM fee
- Solayer Pay CardNot disclosedSpritz CardNot disclosed
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planSpritz CardNot disclosed
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Spritz CardNot disclosed
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PaySpritz CardNot disclosed
- Top cashback plan
- Solayer Pay CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Solayer Pay CardVisaSpritz CardVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Solayer Pay CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Solayer Pay CardShown in appSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Solayer Pay CardShown in appSpritz CardNot disclosed
- ATM limit
- Solayer Pay CardLimits shown in appSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Solayer Pay CardStablecoins: USDCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Solayer Pay CardNot disclosedSpritz CardNot disclosed
- Transfers
- Solayer Pay CardNot disclosedSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Solayer Pay CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Spritz Card0%
- Max cashback
- Solayer Pay CardNot disclosedSpritz Card5%
- Reward currency
- Solayer Pay CardEmerald PointsSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYSpritz CardNot offered
- How it works
- Solayer Pay CardEarn on spending balanceSpritz CardNot offered
- Separate deposit
- Solayer Pay CardNoSpritz CardNot offered
- Use balance for spending
- Solayer Pay CardYesSpritz CardNot offered
- Lock-up
- Solayer Pay CardNoSpritz CardNot offered
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialSpritz CardHybrid custody
- Control until payment
- Solayer Pay CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalSpritz CardNot disclosed
- Card processing
- Solayer Pay CardNot disclosedSpritz CardRain
- Identity verification
- Solayer Pay CardSumsubSpritz CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Spritz CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Spritz Card41
- Last reviewed
- Solayer Pay CardAug 12, 2026Spritz CardAug 28, 2026
04 · The trade-off
Spritz Card is the stronger all-round choice
Spritz Card finishes ahead with an Overall Score of 62 versus 55 for Solayer Pay Card. Spritz Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer 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. Solayer Pay Card uses a custodial balance setup, while Spritz Card uses a hybrid custody 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 Solayer Pay Card and Spritz Card reviews first.
Continue with
Solayer Pay Card
Continue with
Spritz Card
05 · Common questions
Solayer Pay vs Spritz FAQ
Is Solayer Pay or Spritz better overall?
Spritz Card has the higher Overall Score (62 vs 55). 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, Solayer Pay or Spritz?
Spritz Card has the lower starting plan cost ($0 vs $20/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Solayer Pay or Spritz?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solayer Pay and Spritz differ on custody?
Solayer Pay Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Solayer Pay vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.