Head to head
Solid vs Bybit Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | So Solid | By Bybit Card |
|---|---|---|
| Overall rank | #4 of 29 | #3 of 29 |
| FX spread | 0% | 0.5% |
| Base cashback | 3 | 2% paid in points |
| Custody | Custodial | Custodial |
| Virtual card | Free | Free |
| Physical card | No | $29.99 |
| Spend limit | $10,000 daily / $50,000 monthly | |
| ATM withdrawals | First $100/month free, 2% flat thereafter | |
| Setup time | 8 minutes | Fast to apply, but heavily gated for South African applicants |
| KYC steps | 5 | 6 |
| Score | 8.8/10 | 7.4/10 |
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.
Bybit Card
Bybit's fee structure is heavy: a 2% regional FX fee plus a 0.9% conversion charge pushes the gross markup close to 3%. The 2% cashback pulls the net cost back to $1.49, about 0.76% above market, but rewards arrive as points rather than instant stablecoins. The 100% subscription rebate at higher spend is the strongest reason to hold it.
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+