SolidSolid
89
Side-by-side card comparison
Solid vs Xapo: overall score versus use-case fit
Solid Card has the higher Overall Score by 19 points (89 vs 70). Solid Card looks stronger for Cashback, Funds control, and Lowest fees, while Xapo Card comes out ahead for Travel and Transfers.
Information checked Sep 1, 202641 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. Xapo 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.
OverallSolid89Xapo70Higher score
CashbackSolid91Xapo24Higher score
TravelSolid62Xapo91Higher score
Funds controlSolid97Xapo63Higher score
Lowest feesSolid89Xapo77Higher score
TransfersSolid83Xapo100Higher score
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
Choose Xapo Card if travel and transfers matter most
Xapo 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 Xapo FX markup
- Account-backed bank and crypto rails
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
- Solid89Xapo70
Solid Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Solid$0 plan · 1% FXXapo$1,000/year plan · 0–0.29% FX
Solid Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Solid3% base · up to 5%Xapo0% base · up to 3%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- SolidSelf-controlled walletXapoCustodial balance
Solid Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Solid Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Solid3 stablecoins · Stablecoin transfersXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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
- 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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.
Xapo 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
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
CardsSolid CardOverall89Xapo CardOverall70
Solid CardOverall89Xapo CardOverall70Scores
6 fields- Overall Score
- Solid Card89Xapo Card70
- Cashback score
- Solid Card91Xapo Card24
- Travel score
- Solid Card62Xapo Card91
- Funds control score
- Solid Card97Xapo Card63
- Lowest fees score
- Solid Card89Xapo Card77
- Transfers score
- Solid Card83Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Solid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptionsXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Solid CardThe best rates require millions of points, ATM availability is still being checkedXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Solid Card$0Xapo Card$1,000/year
- FX fee
- Solid Card1%Xapo Card0–0.29%
- Top-up fee
- Solid Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Solid Card0%Xapo Card0%
- ATM fee
- Solid CardNot availableXapo Card0–2%
- Virtual card
- Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or SavingsXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Solid CardPhysical card not listedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Solid Card3 plans: Core, Prime, UltraXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Solid CardUltra: 5%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Solid CardVisaXapo CardVisa/Mastercard
- Card formats
- Solid CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Solid CardNot availableXapo CardAvailable
- Mobile wallets
- Solid CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Solid CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Solid CardShown in appXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Solid CardShown in appXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Solid CardNot disclosedXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, ArbitrumXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Solid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSEXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Solid CardUSD virtual accountXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Solid CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Solid CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Solid Card3%Xapo Card0%
- Max cashback
- Solid Card5%Xapo Card3%
- Reward currency
- Solid CardUSDC cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Solid CardUp to 14% APYXapo CardUp to 3.35% APY
- How it works
- Solid CardBorrow against collateral, Optional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Solid CardYesXapo CardNo
- Use balance for spending
- Solid CardNoXapo CardYes
- Lock-up
- Solid CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- Solid CardSelf-custodyXapo CardCustodial
- Control until payment
- Solid CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Solid CardRain, Third NationalXapo CardTransact Payments Malta Limited
- Card processing
- Solid CardFuse Network LtdXapo CardNot disclosed
- Bank transfers
- Solid CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Solid CardFuse Network LtdXapo CardNot disclosed
Sources
2 fields- Official sources
- Solid Card20Xapo Card21
- Last reviewed
- Solid CardAug 25, 2026Xapo CardSep 1, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 70 for Xapo Card. Solid Card has the lower starting plan cost ($0 vs $1,000/year). Solid Card has the higher published base cashback rate (3% vs 0%).
Xapo 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. Solid Card uses a self-controlled wallet setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Solid Card and Xapo Card reviews first.
Continue with
Solid Card
Continue with
Xapo Card
05 · Common questions
Solid vs Xapo FAQ
Is Solid or Xapo better overall?
Solid Card has the higher Overall Score (89 vs 70). 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 Xapo?
Solid Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Solid Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 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.