SolidSolid
86
Side-by-side card comparison
Solid vs Decaf
Solid Card has the higher Overall Score by 22 points (86 vs 64). Solid Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Decaf Card comes out ahead for Travel.
Latest check Oct 19, 202641 official sources reviewed
Solid Card
Best fit
- Core users earning 3% in USDC after Rewards opt-in, capped at $50/month.
- Wirex users paying in EUR with 0% FX when EURC covers the full purchase.
- Funding card spending through crypto, bank transfers or local-currency routes.
Before you choose
- Cashback arrives 14 days after settlement; savings boosts pay in soFUSE.
- Category boosts cover the first qualifying purchase per category each month.
- Prime needs $199/year or a 12-month FUSE lock; Ultra requires a larger lock.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Current signup offers
Signup offers
Signup offers are excluded from card scores.
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.
- Rewards normally pay in FUSE to Savings 30 days after qualification; review can add up to 14 days. Refunds, pending payments, wallet/card top-ups, gift cards, transfers, financial services and other excluded categories do not qualify.
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.
Decaf Card
No active signup offer listed
Partner links may earn us a commission. Affiliate disclosure
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsSolid CardOverall86Decaf CardOverall64
Solid CardOverall86Decaf CardOverall64Scores
- Overall Score
- Solid Card86Decaf Card64
- Cashback score
- Solid Card89Decaf Card29
- Travel score
- Solid Card57Decaf Card60
- Funds control score
- Solid Card95Decaf Card63
- Lowest fees score
- Solid Card82Decaf Card57
- Transfers score
- Solid Card93Decaf Card70
Costs
- Plan cost
- Solid Card$0Decaf Card$0
- FX fee
- Solid Card0–1.5%Decaf Card1–2%
- Top-up fee
- Solid Card0.03–0.1%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Solid Card0%Decaf CardNot disclosed
- ATM fee
- Solid CardNot availableDecaf Card0% Decaf markup
- Virtual card
- Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or SavingsDecaf Card$5
- Physical card
- Solid CardPhysical card not listedDecaf Card$90 international / $10 US
Plans
- Available plans
- Solid Card3 plans: Core, Prime, UltraDecaf CardNot disclosed
- Top cashback plan
- Solid CardUltra: 5%Decaf CardNot disclosed
Everyday use
- Network
- Solid CardVisaDecaf CardVisa
- Card formats
- Solid CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Solid CardNot availableDecaf CardNot disclosed
- Mobile wallets
- Solid CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Solid CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Solid CardShown in appDecaf CardNot disclosed
- Monthly spending limit
- Solid CardShown in appDecaf CardNot disclosed
- ATM limit
- Solid CardNot disclosedDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, ArbitrumDecaf CardSolana, Stellar
- Crypto deposits
- Solid CardStablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSEDecaf CardStablecoins: USDC
- Fiat deposits
- Solid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13Decaf CardUSD, EUR and MXN account receipts
- Transfers
- Solid CardStablecoin transfers; Bank withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Solid CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Solid Card3%Decaf CardNot disclosed
- Max cashback
- Solid Card5%Decaf CardNot disclosed
- Reward currency
- Solid CardUSDC cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Solid CardUp to 14% APYDecaf CardNot disclosed
- How it works
- Solid CardBorrow against collateral, Optional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Solid CardYesDecaf CardYes
- Use balance for spending
- Solid CardNot disclosedDecaf CardNot disclosed
- Lock-up
- Solid CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Solid CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Solid CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Solid CardRain, Third National, WirexDecaf CardThird National, Inc.
- Card processing
- Solid CardFuse Network LtdDecaf CardRain
- Deposits & withdrawals
- Solid CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Solid CardFuse Network LtdDecaf CardNot disclosed
Sources
- Official sources
- Solid Card20Decaf Card21
- Last reviewed
- Solid CardOct 17, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Solid or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Solid lists 0–1.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Solid does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Using the crypto you already hold
Solid's reviewed deposit assets include EURC, FUSE, USDT, soUSD; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Solid vs Decaf FAQ
Is Solid or Decaf better overall?
Solid Card has the higher Overall Score (86 vs 64). 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, Solid or Decaf?
Solid Card has the lower published FX fee (0–1.5% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Solid or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solid and Decaf differ on custody?
Solid Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Solid vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.