Head to head
Solid vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | So Solid | Co Coca Card |
|---|---|---|
| Overall rank | #4 of 29 | #1 of 29 |
| FX spread | 0% | 0% |
| Base cashback | 3 | 1% in USDC, paid on the 10th |
| Custody | Custodial | Non-Custodial |
| Virtual card | Free | Free |
| Physical card | No | $1 + international shipping |
| Spend limit | $30,000 / month | |
| ATM withdrawals | Fee-free up to $250/month, network fees apply above | |
| Setup time | 8 minutes | ~8 minutes |
| KYC steps | 5 | 4 |
| Score | 8.8/10 | 9.2/10 |
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.
Coca Card
Coca takes the top spot because it pairs a genuinely non-custodial wallet with stablecoin cashback that cancels out its FX spread. A single-tier upgrade unlocks up to 8% cashback, 50% off subscriptions and 5% APY, which is the best value on offer anywhere in this ranking. It's also a useful crypto wallet entirely on its own. The crypto wallet includes WalletConnect, meaning you can integrate it into your own apps.
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+