Head to head
Solid vs XPlace
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | So Solid | XP XPlace |
|---|---|---|
| Overall rank | #4 of 29 | #5 of 29 |
| FX spread | 0% | 1% |
| Base cashback | 3 | 1% + 1% |
| Custody | Custodial | Non-Custodial |
| Virtual card | Free | Yes |
| Physical card | No | Yes (Gated) |
| Spend limit | $2000 lower tier - $750,000 highest tier | |
| ATM withdrawals | ||
| Setup time | 8 minutes | ~10 minutes |
| KYC steps | 5 | 3 |
| Score | 8.8/10 | 8.5/10 |
Solid
Solid.xyz - A high-reward, low FX fee card with a trick up its sleeve. Solid offers BOTH Rain and Wirex cards depending on your country. This means both US (covered in 30 states) and EU residents can get Solid cards. Rain cards and Wirex cards are the leading BaaS solutions for crypto cards. Rain works better in the US and the Americas, issuing through stablecoin-native rails. Wirex covers Europe, Asia-Pacific, and global markets. Typically, card Issuers include exclusive agreements, meaning you can't use both. This could also be why they're the lowest FX fee card I've tested out of 30 cards. Are any other crypto Neobanks doing this? - The base card comes with a 3% Base Cashback, a free virtual card, and a 0% FX Fee. - The Premium tier comes with 5% cashback + 50% off subs, and higher APY %. I'm pretty impressed with this low-key card. The UI is great, the app is seamless, and the team have done a great job.
XPlace
XPlace works as a crypto-backed credit line rather than a prepaid debit card. It suits holders who would rather borrow than sell to fund living costs, but the variable APR on drawn credit and the modest spend limit need to be weighed before committing collateral.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+