ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 12 points (89 vs 77). ZEN Card looks stronger for Travel and Transfers, while Solid Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Aug 25, 202663 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. ZEN 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.
OverallZEN77Solid89Higher score
CashbackZEN39Solid91Higher score
TravelZEN96Solid62Higher score
Funds controlZEN65Solid97Higher score
Lowest feesZEN80Solid89Higher score
TransfersZEN98Solid83Higher score
Choose ZEN Card if travel and transfers matter most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
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
- ZEN77Solid89
Solid Card has the higher Overall Score by 12 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXSolid$0 plan · 1% FX
ZEN Card has the lower published FX fee (0–0.5% vs 1%).
- Purchase rewards
- ZEN0% baseSolid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ZENCustodial balanceSolidSelf-controlled wallet
ZEN Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PaySolidVirtual · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersSolid3 stablecoins · Stablecoin transfers
ZEN Card lists more stablecoins and ways to send money out (5 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.
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 fiat
- 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
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.
ZEN Card
No active signup offer listed
We do not currently list an active signup offer for this card.
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.
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
CardsZEN CardOverall77Solid CardOverall89
ZEN CardOverall77Solid CardOverall89Scores
6 fields- Overall Score
- ZEN Card77Solid Card89
- Cashback score
- ZEN Card39Solid Card91
- Travel score
- ZEN Card96Solid Card62
- Funds control score
- ZEN Card65Solid Card97
- Lowest fees score
- ZEN Card80Solid Card89
- Transfers score
- ZEN Card98Solid Card83
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- ZEN Card$0Solid Card$0
- FX fee
- ZEN Card0–0.5%Solid Card1%
- Top-up fee
- ZEN Card0–3%Solid Card0%
- Card spending fee
- ZEN Card0%Solid Card0%
- ATM fee
- ZEN Card0–1.5%Solid CardNot available
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Solid CardPhysical card not listed
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- ZEN CardFree: 0%Solid CardUltra: 5%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaSolid CardVisa
- Card formats
- ZEN CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- ZEN CardAvailableSolid CardNot available
- Mobile wallets
- ZEN CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebSolid CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Solid CardShown in app
- Monthly spending limit
- ZEN CardNot publicly confirmedSolid CardShown in app
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Solid CardNot disclosed
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upSolid CardUSD virtual account
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersSolid CardStablecoin transfers
- Payout currencies
- ZEN CardEURSolid CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Solid Card3%
- Max cashback
- ZEN CardNot disclosedSolid Card5%
- Reward currency
- ZEN CardTransaction currencySolid CardUSDC cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredSolid CardUp to 14% APY
- How it works
- ZEN CardNot offeredSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- ZEN CardNot offeredSolid CardYes
- Use balance for spending
- ZEN CardNot offeredSolid CardNo
- Lock-up
- ZEN CardNot offeredSolid CardNot disclosed
Trust & availability
6 fields- Custody
- ZEN CardCustodialSolid CardSelf-custody
- Control until payment
- ZEN CardProvider controls fundsSolid CardYou keep control
- Card issuer
- ZEN CardUAB ZEN.COMSolid CardRain, Third National
- Card processing
- ZEN CardNot disclosedSolid CardFuse Network Ltd
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCSolid CardNot disclosed
- Programme operator
- ZEN CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- ZEN Card43Solid Card20
- Last reviewed
- ZEN CardAug 23, 2026Solid CardAug 25, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 77 for ZEN Card. ZEN Card has the lower published FX fee (0–0.5% vs 1%). Solid Card has the higher published base cashback rate (3% vs 0%).
ZEN 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. ZEN Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
ZEN Card lists more stablecoins and ways to send money out (5 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 ZEN Card and Solid Card reviews first.
Continue with
ZEN Card
Continue with
Solid Card
05 · Common questions
ZEN vs Solid FAQ
Is ZEN or Solid better overall?
Solid Card has the higher Overall Score (89 vs 77). 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, ZEN or Solid?
ZEN Card has the lower published FX fee (0–0.5% vs 1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ZEN or Solid?
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 ZEN and Solid differ on custody?
ZEN Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ZEN vs Solid comparison?
The latest information check for these two cards was August 25, 2026, using 63 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.