Head to head
EtherFi vs Solid
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Et EtherFi | So Solid |
|---|---|---|
| Overall rank | #2 of 29 | #4 of 29 |
| FX spread | 1% | 0% |
| Base cashback | 3% instant | 3 |
| Custody | Non-Custodial | Custodial |
| Virtual card | First free, $10 for additional | Free |
| Physical card | $50 (metal unlocked on higher VIP tiers) | No |
| Spend limit | Up to $30,000/day on the free Core tier | |
| ATM withdrawals | $250/day limit, 2% flat fee, no free tier | |
| Setup time | ~8 minutes | 8 minutes |
| KYC steps | 5 | 5 |
| Score | 9.2/10 | 8.8/10 |
EtherFi
EtherFi charges a 0.51% spread when you swipe in a foreign currency, but the instant 3% cashback more than neutralises it. Net cost on the benchmark purchase came to $1.45, below the mid-market value of the same basket. Stay under the $2,000 monthly cap and the card pays you to spend.
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.
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+