SolidSolid
89
Side-by-side card comparison
Solid vs Solayer Pay: fees, rewards and account setup
Solid Card has the higher Overall Score by 34 points (89 vs 55). Solid Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 25, 202645 official sources reviewed
01 · Make the first cut
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Solayer Pay Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallSolid89Solayer Pay55Higher score
CashbackSolid91Solayer Pay20Higher score
TravelSolid62Solayer Pay53Higher score
Funds controlSolid97Solayer Pay47Higher score
Lowest feesSolid89Solayer Pay43Higher score
TransfersSolid83Solayer Pay29Higher score
Choose Solid Card if cashback and travel matter most
Solid Card comes out ahead for Cashback, Travel, 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
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Solid89Solayer Pay55
Solid Card has the higher Overall Score by 34 points.
- Entry cost & FX
- Solid$0 plan · 1% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Solid Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solid3% base · up to 5%Solayer Pay0% base
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- SolidSelf-controlled walletSolayer PayCustodial balance
Solid Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- SolidVirtual · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Solid3 stablecoins · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
Solid Card lists more stablecoins and ways to send money out (4 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 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
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.
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.
Solayer Pay Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsSolid CardOverall89Solayer Pay CardOverall55
Solid CardOverall89Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Solid Card89Solayer Pay Card55
- Cashback score
- Solid Card91Solayer Pay Card20
- Travel score
- Solid Card62Solayer Pay Card53
- Funds control score
- Solid Card97Solayer Pay Card47
- Lowest fees score
- Solid Card89Solayer Pay Card43
- Transfers score
- Solid Card83Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Solid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptionsSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Solid CardThe best rates require millions of points, ATM availability is still being checkedSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Solid Card$0Solayer Pay Card$20/year
- FX fee
- Solid Card1%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Solid Card0%Solayer Pay Card1%
- Card spending fee
- Solid Card0%Solayer Pay Card$0.15
- ATM fee
- Solid CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or SavingsSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Solid CardPhysical card not listedSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Solid Card3 plans: Core, Prime, UltraSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Solid CardUltra: 5%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Solid CardVisaSolayer Pay CardVisa
- Card formats
- Solid CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Solid CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- Solid CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Solid CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- Solid CardShown in appSolayer Pay CardShown in app
- Monthly spending limit
- Solid CardShown in appSolayer Pay CardShown in app
- ATM limit
- Solid CardNot disclosedSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, ArbitrumSolayer Pay CardSolana
- Crypto deposits
- Solid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSESolayer Pay CardStablecoins: USDC
- Fiat deposits
- Solid CardUSD virtual accountSolayer Pay CardNot disclosed
- Transfers
- Solid CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- Solid CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Solid Card3%Solayer Pay Card0%
- Max cashback
- Solid Card5%Solayer Pay CardNot disclosed
- Reward currency
- Solid CardUSDC cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Solid CardUp to 14% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Solid CardBorrow against collateral, Optional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Solid CardYesSolayer Pay CardNo
- Use balance for spending
- Solid CardNoSolayer Pay CardYes
- Lock-up
- Solid CardNot disclosedSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Solid CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Solid CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Solid CardRain, Third NationalSolayer Pay CardThird National
- Card processing
- Solid CardFuse Network LtdSolayer Pay CardNot disclosed
- Identity verification
- Solid CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Solid CardFuse Network LtdSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Solid Card20Solayer Pay Card25
- Last reviewed
- Solid CardAug 25, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 55 for Solayer Pay Card. Solid Card has the lower starting plan cost ($0 vs $20/year). Solid Card has the higher published base cashback rate (3% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Solid Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Solid Card lists more stablecoins and ways to send money out (4 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 Solid Card and Solayer Pay Card reviews first.
Continue with
Solid Card
Continue with
Solayer Pay Card
05 · Common questions
Solid vs Solayer Pay FAQ
Is Solid or Solayer Pay better overall?
Solid Card has the higher Overall Score (89 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, Solid or Solayer Pay?
Solid 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, Solid or Solayer Pay?
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 Solid and Solayer Pay differ on custody?
Solid Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Solid vs Solayer Pay comparison?
The latest information check for these two cards was August 25, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.