Solid Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 2% at Core, the tier every member starts onThe fine print
|
| ATM limit | Not published as a tariff: the international Card Terms state…The fine print… "Cash advances and balance transfers are not available under these Card Terms", the US cardholder agreement allows ATM cash advances only "if enabled by us" and prices the Cash Advance fee at None with no limit stated, and the help centre fee page has no ATM row |
| Spending limit | Based on available balance or collateral and set by Solid per user and per card, across per-transaction, daily, weekly…The fine print
|
Fees change; the current ones are in Solid’s terms.
Features
- Welcome bonus: $25 referral
- Cashback: 3-5%
The fine print
- Tiered and paid in USDC: Core 3% on the first $1,000 of eligible purchases each calendar month, then 1%, capped at $50 a month
- Prime 4% on the first $1,500, then 1%, capped at $100
- Ultra 5% on the first $3,000, then 1.5%, capped at $200
- Prime is the $199 annual subscription or 50,000 FUSE locked for 12 months, Ultra 400,000 FUSE locked for 12 months
- Locks made on or after 12 October 2026 need 70,000 and 600,000 FUSE, and earlier locks stay valid for their full period
- Points no longer decide the tier
- Members who reached Prime or Ultra before 25 September 2026 keep it until Solid gives 30 days' notice
- Since 5 October 2026 Prime and Ultra earn a category rate instead of the regular one at named merchants: AI tools (ChatGPT, Claude, Gemini, Perplexity, Cursor, Midjourney, GitHub Copilot), streaming and music, 10% at Prime and 20% at Ultra
- Rides (Uber, Grab, Bolt, Lyft and others), 8% and 10%
- And at Ultra only, 10% on 12 airlines booked on the airline's own site or app
- There is no per-category cap, but category cashback counts toward the monthly cap, and purchases billed through PayPal, Google Play, the App Store or a booking site earn the regular rate
- Subscriptions already paid with the card before 5 October keep the old 25% (Prime) or 50% (Ultra) on up to $50 a payment
- Cashback is credited about 14 days after the transaction settles
- The fees page says it lands in Savings
- Excluded in every tier: ATM and quasi-cash, money transfers and wallet top-ups, crypto and investments, gambling, government payments and fines, gift and prepaid cards, plus the Cashback Exclusions list
- Solid may reverse cashback on spend made mainly to earn rewards
- The 10% Launch Week promotion (13 to 20 August 2026) has ended
- KYC: Yes
- Card type: Virtual
The fine print
- The free virtual Visa activates as soon as identity verification is approved, with no order step
- No physical card is mentioned anywhere on solid.xyz or in the help centre as of 29 Aug 2026
- Top up with: USDC and USDT deposits into the self-custodial Solid wallet, free on Fuse, 0.1% on Ethereum and a 0.03% bridge fee on…
Full list
- … BNB Smart Chain, Polygon, Base and Arbitrum, $10 minimum (FUSE and ETH have their own vaults)
- Local-currency deposits in 16 currencies through TransFi (ARS, BDT, BRL, COP, EUR, GHS, IDR, KES, MYR, MXN, NGN, PEN, PHP, AED, UGX, ZMW) by Pix, bKash, GCash, SPEI, SEPA, M-Pesa, QRIS and similar, landing as USDC in the card balance after a one-time TransFi verification
- Solid adds no fee today and has announced a flat 0.5%
- US-dollar bank transfers to a Virtual Account (ACH and wire, "powered by Rain", banking services by SSB, Member FDIC) now carry a Solid bank deposit fee of 0.5% at Core, 0.25% at Prime and none at Ultra, withheld from the arriving amount
- First-party deposits are unlimited and third-party ones capped at $4,000 per transfer
- The card is loaded from the wallet or from Savings at 0%
- Under both cardholder agreements the loaded balance is collateral securing a 0%-interest credit line rather than a prepaid balance
- Available countries: Published by region: Europe and the UK, every EU and EEA member state plus United Kingdom, Switzerland, Andorra…
Full list
- … Gibraltar, Guernsey, Jersey, Isle of Man, Moldova and Ukraine
- Latin America (19) Argentina, Belize, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Mexico, Panama, Paraguay, Peru, Suriname, Uruguay
- Caribbean (10) Antigua & Barbuda, Bahamas, Barbados, Cayman Islands, Grenada, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks & Caicos Islands
- Africa (10) Côte d'Ivoire, Egypt, Ghana, Kenya, Morocco, Nigeria, Senegal, South Africa, Uganda, Zambia
- Asia (17) Azerbaijan, Bangladesh, Georgia, Hong Kong, Indonesia, Japan, Kazakhstan, Macao, Malaysia, Pakistan, Philippines, Singapore, South Korea, Taiwan, Thailand, Uzbekistan, Vietnam
- Middle East (6) Bahrain, Israel, Oman, Saudi Arabia, Turkey, United Arab Emirates
- Oceania (2) Australia, New Zealand
- Plus the United States in 30+ states
- The issuer says 105 countries
- The names it lists add up to 104 counting the US
- Not available in Belarus, China, Cuba, India, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria or Venezuela
- Whatever the residence, the card cannot be used while physically in Cuba, Iran, North Korea, Russia, Syria, Venezuela or the occupied Crimea, Donetsk and Luhansk regions
- Savings is worldwide
- This list covers the card only
Who issues the Solid Card
The Solid Card has a different issuer depending on where you sign up. Each one is listed below with its own source.
The Solid Card is issued by Wirex Limited, UK (FCA FRN 902025) (Mastercard Principal Member direct (since July 2020); Visa Principal Member per the Wirex litepaper). The issuer is named in the source linked below. Solid's help centre: "Depending on your country of residence, your card is issued by one of our two card program partners, Rain or Wirex", assigned automatically when you order. Which countries get a Wirex card is not listed.
Primary source · All cards issued by Wirex Limited · Why the issuer matters
The Solid Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. (international Card Terms: "“Issuer” refers to Third National, including its affiliates, successors, and assigns"; landing footnote: "The Solid Card is a Visa credit card issued by Rain". The US agreement ("Solid Credit Card Account Opening Disclosures", Maryland credit law) does not name the issuer entity. Licensed bank behind Third National not named; Solid's own launch announcement described the rails as Bridge, and that conflict is unresolved. This covers the Rain-rail side: depending on the country of residence the card runs on Rain or on Wirex, and Solid publishes no Wirex card terms).
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Solid Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Lead Bank, USA (Missouri state-chartered); program managers Bridge and Stripe, inferred from the program manager and not stated by the issuer itself. Fuse-network card (≠ bankrupt Solid Financial Technologies)
Supported cryptocurrencies
You can load the Solid Card with crypto; the 4 assets we track for it are listed below.
Pros and cons
Pros
- Yield on savings, paid as vault growth rather than points
The fine print
- 3-5% cashback in USDC with no conversion step, plus 8-20% category rates at Prime and Ultra
- USD spending free of FX wherever the merchant is
- Visa Platinum benefits at no extra cost
- Self-custodial Safe wallet with gasless account abstraction
- $25 in FUSE each for referrer and referred
- A free US account and routing number for ACH and wire deposits
- Top-ups in 16 local currencies through TransFi
- Now issued in the UK and every EU and EEA country
- No card issuance fee
- No annual maintenance fee
- Welcome bonus: $25 referral
Cons
- Money sitting on the card earns nothing until you move it back to Savings
The fine print
- The tier rate covers only the first $1,000 (Core) to $3,000 (Ultra) of monthly spend, then 1-1.5%, and cashback is capped by tier at $50-$200 a month and turns up about 14 days late
- Non-USD purchases cost 2% at Core, the tier everyone starts on, and only reach 1% at Ultra
- Bank deposits now cost 0.5% at Core
- Virtual only, with cash advances ruled out by the international terms
- The card comes from Rain (Third National in the contract) or from Wirex depending on country, and Solid publishes no Wirex card terms
- On paper the Rain card is a secured credit line with statements and a late fee (2% in the US, up to $40 elsewhere), and the help centre never says so
- No IBAN or SEPA account
Regional availability
Available in 105 countries
105 countries by the issuer's count: the United Kingdom and every EU and EEA member state, plus Switzerland, Andorra, Gibraltar, Guernsey, Jersey, the Isle of Man, Moldova and Ukraine; Latin America, the Caribbean, Africa, Asia, Oceania and the Middle East; and the United States in 30+ states. The card is issued by Rain or Wirex depending on the country of residence, assigned automatically at order.
Banking and fiat rails
The fine print
- US account and routing number for ACH and wire through Rain Virtual Accounts (banking services by SSB, Member FDIC)
- Receiving costs 0.5% at Core, 0.25% at Prime and nothing at Ultra
- Virtual Accounts are not available in Côte d'Ivoire, Hong Kong, Kenya or Pakistan, in 13 US states, or to residents of the restricted-country list
- Paying in euros is possible only as a TransFi card top-up, not into an account in your name
Card overview
Solid pays yield on savings and none on the card, and that gap matters more than the marketing lets on. Deposit USDC and it mints soUSD, a share in an audited DeFi vault that grows while you hold it; the landing page advertises up to 6% on dollar balances. Top the card up and that money stops earning: "Funds you load onto the card do not earn yield and are held specifically for card spending." Getting it back to work is two hops, card to Wallet, then Wallet to Savings.
What the card does well is cost nothing in dollars. Loading the card is free, USD purchases are free wherever the merchant is, and Solid absorbs cross-border fees instead of passing them on. Anything in another currency costs 2% at Core, the tier every member starts on, 1.5% at Prime and 1% at Ultra: the card provider keeps 1% inside the exchange rate and Solid adds its own fee on top.
Cashback runs 3% at Core up to 5% at Ultra, but only on the first $1,000 to $3,000 of monthly spend depending on tier, then 1% or 1.5%, paid in USDC about two weeks after a purchase settles and capped by tier between $50 and $200 a month. Prime and Ultra add category rates since 5 October 2026: 10% and 20% on AI tools, streaming and music, 8% and 10% on rides, 10% on airlines booked direct at Ultra, all inside the same monthly cap.
The card is issued on the Visa Platinum tier and reaches 105 countries by Solid's count, including the United Kingdom, every EU and EEA member state and the United States in 30+ states. Who issues it depends on where you live: Rain or Wirex, assigned automatically at order, and Solid publishes no Wirex card terms. Arrive through a referral link and $25 in FUSE lands once the card is active and $150 has gone through it at three or more merchants within 30 days; the person who sent the link gets the same.
The help centre never mentions it, but the Rain cardholder agreements describe a secured credit line at 0% interest, issued by Third National in the Rain group, with the balance you load as collateral. A credit card on paper, whatever the app calls it.
What we saw in the app
Taken in our own account. It shows the app screen on that day, not a purchase we made with the card.
Earn, 3 Oct 2026: 5.4% on USD, 2.9% on ETH. The 27.6% is on FUSE, a volatile token.
Common questions about the Solid Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
