Ranked #7 of 35
Solid Review
A neat, high reward, low fee, neobank. This card targets your average user, and your corporate boss. Plus, you get $25 for signing up (after 3 purchases within 30 days)
Quick answer
Solid recorded a 1.1% FX spread in an assisted test; base cashback 3, highest cashback 5; custody Custodial; KYC required. Assisted verification; Last verified 20 Oct 2026 by Tristyn Pawson.
The identical test was run and evidenced by a trusted third party, usually because the card is not available to us in our own region.
Card at a glance
A trusted tester ran this card for us in its home region and sent through the evidence, so the figures below are checked rather than simply copied from the provider.
- FX fee
- 1%
- Base cashback
- 3
- Highest cashback
- 5
- Card cost
- Free
Verified by us
- Wallet architecture
- Custodial
- Setup time
- 8 minutes
- Spend limit
- Not published
- ATM withdrawals
- Not published
The verdict
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.
Score: 7 out of 10
Strengths
- High Cashback
- Negligible FX fee
Weaknesses
- App can be glitchy
- The app can show better info
Compare with other cards
Solid vs Ethena Pay
#1 · 1% spread
Solid vs Coca Card
#2 · 1.18% spread
Solid vs EtherFi
#3 · 0.51% spread
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | Solid | 1% | Free | 3 | Custodial | 8 minutes | 7/10 |
| 2 | Ethena Pay | 1% | 0 | 4% | Non-Custodial (no option to see keys until deleting account | 10 minutes | 8.5/10 |
| 3 | Coca Card | 1.18% | Free | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 4 | EtherFi | 0.51% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
Community reviews of Solid
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👍Excellent product
Solid FAQs
Solid
1% FX · 7/10
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+