SolayerSolayer Pay
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Side-by-side card comparison
Solayer Pay vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 15 points (70 vs 55). Solayer Pay Card looks stronger for Funds control, while Uphold Card US comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Oct 14, 202638 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Funds control. 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 Pay55Uphold US70Higher score
CashbackSolayer Pay21Uphold US75Higher score
TravelSolayer Pay53Uphold US71Higher score
Funds controlSolayer Pay47Uphold US44Higher score
Lowest feesSolayer Pay43Uphold US56Higher score
TransfersSolayer Pay29Uphold US65Higher score
Choose Solayer Pay Card if funds control matters most
Solayer Pay Card comes out ahead for Funds control 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 Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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 Pay55Uphold US70
Uphold Card US has the higher Overall Score by 15 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solayer Pay0% baseUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- Solayer PayCustodial balanceUphold USCustodial balance
Solayer Pay Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Solayer Pay1 stablecoin · Not modeledUphold US0 stablecoins · US bank withdrawal
Uphold Card US lists more stablecoins and ways to send money out (2 vs 1).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall55Uphold Card USOverall70
Solayer Pay CardOverall55Uphold Card USOverall70Scores
6 fields- Overall Score
- Solayer Pay Card55Uphold Card US70
- Cashback score
- Solayer Pay Card21Uphold Card US75
- Travel score
- Solayer Pay Card53Uphold Card US71
- Funds control score
- Solayer Pay Card47Uphold Card US44
- Lowest fees score
- Solayer Pay Card43Uphold Card US56
- Transfers score
- Solayer Pay Card29Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearUphold Card US$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackUphold Card US0–1.5%
- Top-up fee
- Solayer Pay Card1%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Solayer Pay Card$0.15Uphold Card USNot disclosed
- ATM fee
- Solayer Pay CardNot disclosedUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planUphold Card USFree on both plans
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Solayer Pay CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Solayer Pay CardVisaUphold Card USVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableUphold Card USAvailable
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Solayer Pay CardShown in appUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Solayer Pay CardShown in appUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Solayer Pay CardLimits shown in appUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaUphold Card USNot disclosed
- Crypto deposits
- Solayer Pay CardStablecoins: USDCUphold Card USNot disclosed
- Fiat deposits
- Solayer Pay CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Solayer Pay CardNot disclosedUphold Card USUS bank withdrawal
- Payout currencies
- Solayer Pay CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Uphold Card US2%
- Max cashback
- Solayer Pay CardNot disclosedUphold Card US4%
- Reward currency
- Solayer Pay CardEmerald PointsUphold Card USXRP
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYUphold Card USNot offered
- How it works
- Solayer Pay CardEarn on spending balanceUphold Card USNot offered
- Separate deposit
- Solayer Pay CardNoUphold Card USNot offered
- Use balance for spending
- Solayer Pay CardYesUphold Card USNot offered
- Lock-up
- Solayer Pay CardNoUphold Card USNot offered
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialUphold Card USCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalUphold Card USCross River Bank
- Custody / key management
- Solayer Pay CardNot disclosedUphold Card USUphold HQ Inc.
- Identity verification
- Solayer Pay CardSumsubUphold Card USNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Uphold Card USNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Uphold Card US13
- Last reviewed
- Solayer Pay CardAug 12, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 55 for Solayer Pay Card. Uphold Card US has the lower starting plan cost ($0 vs $20/year). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Solayer Pay Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Solayer Pay Card and Uphold Card US use the same custodial balance setup.
Uphold Card US lists more stablecoins and ways to send money out (2 vs 1). 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 Uphold Card US reviews first.
Continue with
Solayer Pay Card
Continue with
Uphold Card US
05 · Common questions
Solayer Pay vs Uphold US FAQ
Is Solayer Pay or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 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 Uphold US?
Uphold Card US 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 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 Uphold US differ on custody?
Solayer Pay Card and Uphold Card US use the same custodial balance setup.
How current is this Solayer Pay vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.