Solid Card Review 2026

Name: Solid Card
Brand: Visa
Availability: InStock

Last reviewed August 2026 · Fact-checked September 21, 2026 against issuer documentation

4.7 / 5.0Sweepbase rating

How this rating is calculated · Algorithmic score, not user reviews

Affiliate partner · Editor’s PickWe may earn a commission if you sign up through our link. This has zero effect on the card’s rating. How this works · Disclosure

Independently reviewed by Mihail B. · how we verify

CustodySelf-custody

NetworkVisa Platinum Credit

CashbackTiered and paid in USDC: 3% Core (cap $50/mo), 4% Prime ($100/mo), 5% Ultra ($200/mo); the Solid Rewards Terms and Conditions carry the same three rates and caps (re-read 29 Aug 2026). Tiers are earned with points (1 point per $1 held per hour across the vaults and the card balance, 1 per $1 spent or swapped): Prime at 5,000,000 points or a 50,000 FUSE stake, Ultra at 35,000,000 points or 400,000 FUSE. Prime and Ultra also get subscription cashback on eligible streaming and music services, 25% across 2 categories at Prime and 50% across 4 at Ultra, capped at $50 per service per month. Credited approximately 14 days after the transaction settles, and it does not stay as USDC: "Your cashback is paid straight into your Savings. It lands in the USDC vault and is automatically converted into soUSD." Refunds, reversals and cash advances are excluded, and the issuer reserves the right to change rates, caps and tiers at any time. The 10% campaign trailed in Solid's August email did run: a Launch Week promotion at 10% for every tier from 13 to 20 August 2026, capped at $100 per user, now ended (support.solid.xyz/en/articles/16390031). Corrected 2026-07-15 from "3% in FUSE tokens" - FUSE is a deposit asset on Solid, not the reward currency. support.solid.xyz/en/articles/15613716

RegionsUnited States plus Latin America, the Caribbean, Africa, Asia, Oceania and the Middle East; the issuer publishes the country list

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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 is free, USD purchases are free, anything else costs 1%, and the issuer absorbs cross-border fees instead of passing them on. Cashback runs 3% at Core up to 5% at Ultra, paid in USDC about two weeks after a purchase settles, capped by tier between $50 and $200 a month, and it lands in Savings as soUSD rather than sitting as cash. The card is issued on the Visa Platinum tier and reaches residents of 48 named countries plus 30+ US states. Arrive through a referral link and $15 in USDC lands once the card is active and $75 has gone through it; the person who sent the link gets the same. One thing the help centre never says: both 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.

Editor’s note by Mihail B. · Founder & Editor

Reviewed August 2026 Verified against issuer docs

Re-verified 29 Aug 2026 with a referral link in hand and the app's invite screen open. The referral is now in writing: Rewards T&C section 7 pays $15 in USDC to anyone who signs up through a link, activates the card and spends $75, and $15 to whoever sent the link. The app asks for more than the T&C do, three or more purchases at different merchants inside 30 days, so the row carries both versions. The 10% campaign we could not find on 12 Aug turned out to be real. It ran from 13 to 20 August as a Launch Week promotion, 10% for every tier, capped at $100 a head, and its terms page went up after our check. Over now; back to 3/4/5%. The bigger change is that the credit-or-debit question has an answer, and it was sitting in two cardholder agreements the help centre links only from the bottom of its fees article. The US one is titled "Solid Credit Card Account Opening Disclosures" with a set credit limit: a secured account, collateral in your own wallet, 0% APR, a statement each billing cycle, payment due 21 days after it closes, a 2% late fee on whatever is outstanding, Maryland credit law. The international "Solid Spend Card Terms" have the same shape, 0% interest and a late fee of up to $40, and they name the issuer outright: "Issuer refers to Third National". Rain on the landing page, Third National in the contract. Same group. The row now reads Visa Platinum Credit. Virtual Accounts are new too: a personal US account and routing number for ACH and wire, "powered by Rain", "banking services provided by SSB, Member FDIC", free to receive and missing in 13 US states. The help centre wording on yield has not moved, so the card balance still earns nothing. ATM: the international terms say "Cash advances and balance transfers are not available", the US agreement allows them only "if enabled by us". We also dropped "Physical (coming)", because no page says it; the card is virtual only. Still unknown: which licensed bank sits behind Third National, and what the reduced Prime and Ultra FX rates are, since the Rewards FAQ promises them without a number. The "up to 3%" FX and cross-border lines in the international terms are the Rain template we have already seen in Hyperbeat, Cypher and Solayer, not a Solid price

This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents.

Fees & Limits

Issuance Fee	Free
Annual Fee	Free
FX Fee	1% on non-USD settlement only. The issuer fee page reads "The only fee is a 1% FX fee, and it applies only when you spend in a currency other than USD"; USD purchases are free, and the 1% is built into the exchange rate rather than shown as a line item. Top-up is 0%, there is no maintenance fee, and the issuer absorbs cross-border and international transaction fees: FX and cross-border are mutually exclusive with a combined ceiling of 1% (re-read 2026-08-29). The US cardholder agreement prices the International Transaction fee at "1% of each transaction in U.S. dollars". The international Card Terms list "Foreign Exchange Fee (non USD): up to 3%" and "Cross Border Fee: up to 3%", which is the Third National / Rain template ceiling that appears word for word in the Hyperbeat, Cypher and Solayer card terms, not a Solid tariff. The Rewards FAQ adds that FX, swap and off-ramp fees "apply at Core, are reduced at Prime, and are zero at Ultra", without publishing the reduced numbers
ATM Limit	Not published as a tariff: the international Card Terms state "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 (checked 2026-08-29)
Spending Limit	Based on available balance or collateral and set by Solid per user and per card, across per-transaction, daily, weekly, monthly, yearly and lifetime intervals. Transactions above roughly $250,000 may need verification from Visa; the single-transaction ceiling is about $750,000. Extra safeguards at gas stations: at most 2 automated-fuel transactions in 3 days and a minimum balance check of about $175 before approval

These figures can change. Confirm the current fees, FX and network in Solid’s official terms before you apply.

Features

Welcome Bonus: $15 referral
Card Type: Virtual. 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" had no source)
Top up with: USDC and USDT deposits into the self-custodial Solid wallet on Fuse (FUSE and ETH have their own vaults), plus US-dollar bank transfers (new since our 12 Aug row): a Virtual Account gives verified users a personal US account and routing number for ACH and wire, "powered by Rain", with "banking services provided by SSB, Member FDIC"; incoming money converts to soUSD in the wallet at no fee, wires can land the same business day and ACH within a few business days, first-party bank deposits are unlimited and third-party ones capped at $4,000 per transfer. Virtual Accounts are not offered in 13 US states (California, Colorado, Hawaii, Indiana, Massachusetts, Missouri, New Jersey, New York, North Carolina, Tennessee, Texas, Utah, Virginia). The card is loaded from the wallet or from Savings (soUSD converts to USDC automatically) 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 on 12 Aug 2026: Latin America (18) Argentina, Belize, Bolivia, Brazil, 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; Africa (9) Côte d'Ivoire, Egypt, Ghana, Kenya, Morocco, Senegal, South Africa, Uganda, Zambia; Asia (8) Bangladesh, Hong Kong, Japan, Malaysia, Pakistan, Philippines, Singapore, Thailand; Oceania (2) Australia, New Zealand; Middle East (1) United Arab Emirates; plus the United States in 30+ states. Cannot be issued to residents of Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela or Vietnam. Savings is worldwide; this list covers the card and virtual accounts only. Whatever the residence, the card cannot be used while physically in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela (sanctions list, re-read 2026-08-29; the help centre now says "Available in 49 countries", which is the same 48 plus the US)

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 Rain (Signify Holdings, Inc.), USA (New York) — Visa Principal Member (Mar 2025) + Mastercard Principal Member (4 May 2026); program manager turned named issuer on newer launches. 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.

Primary source · All cards issued by Rain (Signify Holdings, Inc.) · 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) — via Bridge (Stripe-owned program manager) — inferred from the program manager, not stated by the issuer itself. Fuse-network card (≠ bankrupt Solid Financial Technologies)

All cards issued by Lead Bank · Why the issuer matters

Supported Cryptocurrencies

You can load the Solid Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.

Networks & deposit details: Not applicable

ETHEthereumUSDCUSD Coin

Who Is the Solid Card Best For?

The Solid Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.

The Solid Card pays 3% cashback on eligible purchases, so it works well as a daily spending card.

The card is currently available in United States plus Latin America, the Caribbean, Africa, Asia, Oceania and the Middle East; the issuer publishes the country list, so it works for residents and travellers in those areas.

Best for

Frequent spenders who want to earn 3% cashback
DeFi users who want to hold their own keys
US residents who want a crypto spending card
Budget-minded users (no issuance or annual fee)

Avoid if

You're based in Europe (this card is US-only)
You need traditional bank integration (IBAN, SEPA, direct debits)

Compare the Solid Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.

Pros & Cons

Pros

Yield on savings, paid as vault growth rather than points; 3-5% cashback in USDC with no conversion step; USD spending free of FX; Visa Platinum benefits at no extra cost; self-custodial Safe wallet with gasless account abstraction; $15 in USDC each for referrer and referred; a free US account and routing number for ACH and wire deposits
No card issuance fee
No annual maintenance fee
Works wherever Visa is accepted worldwide
Self-custody: you keep your private keys until you spend
Available in most countries

Cons

Money sitting on the card earns nothing until you move it back to Savings; cashback is capped by tier at $50-$200 a month and turns up about 14 days late; 1% on every non-USD purchase, and the cheaper Prime and Ultra rates are not published; virtual only, with cash advances ruled out by the international terms; the issuer is Third National in the Rain group and the licensed bank behind it is unnamed; on paper this 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 bank account, prepaid only

How to Get the Solid Card

Here is what the sign-up process looks like, from application to first purchase.

Create your Solid account

A few minutes

Go to the Solid website or download the app.

Complete identity verification

Varies by issuer

Solid runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.

Fund your card

Usually instant

Load your card with USDC and USDT deposits into the self-custodial Solid wallet on Fuse (FUSE and ETH have their own vaults), plus US-dollar bank transfers (new since our 12 Aug row): a Virtual Account gives verified users a personal US account and routing number for ACH and wire, "powered by Rain", with "banking services provided by SSB, Member FDIC"; incoming money converts to soUSD in the wallet at no fee, wires can land the same business day and ACH within a few business days, first-party bank deposits are unlimited and third-party ones capped at $4,000 per transfer. Virtual Accounts are not offered in 13 US states (California, Colorado, Hawaii, Indiana, Massachusetts, Missouri, New Jersey, New York, North Carolina, Tennessee, Texas, Utah, Virginia). The card is loaded from the wallet or from Savings (soUSD converts to USDC automatically) at 0%; under both cardholder agreements the loaded balance is collateral securing a 0%-interest credit line rather than a prepaid balance through the funding screen.

Start spending immediately

Instant

Your virtual Solid Card shows up in the Solid app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.

Requirements

Minimum age18+ (issuer terms apply)

KYC requirementYes

ResidencyUnited States plus Latin America, the Caribbean, Africa, Asia, Oceania and the Middle East; the issuer publishes the country list

Minimum depositVaries by issuer, typically no minimum

Regional Availability

Available Worldwide

The Solid Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Solid website to confirm before you apply.

Common questions about the Solid Card

What are the fees for the Solid Card?

Issuance fee: Free. Annual fee: Free. FX fee: 1% on non-USD settlement only. The issuer fee page reads "The only fee is a 1% FX fee, and it applies only when you spend in a currency other than USD"; USD purchases are free, and the 1% is built into the exchange rate rather than shown as a line item. Top-up is 0%, there is no maintenance fee, and the issuer absorbs cross-border and international transaction fees: FX and cross-border are mutually exclusive with a combined ceiling of 1% (re-read 2026-08-29). The US cardholder agreement prices the International Transaction fee at "1% of each transaction in U.S. dollars". The international Card Terms list "Foreign Exchange Fee (non USD): up to 3%" and "Cross Border Fee: up to 3%", which is the Third National / Rain template ceiling that appears word for word in the Hyperbeat, Cypher and Solayer card terms, not a Solid tariff. The Rewards FAQ adds that FX, swap and off-ramp fees "apply at Core, are reduced at Prime, and are zero at Ultra", without publishing the reduced numbers. ATM limit: Not published as a tariff: the international Card Terms state "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 (checked 2026-08-29). Spending limit: Based on available balance or collateral and set by Solid per user and per card, across per-transaction, daily, weekly, monthly, yearly and lifetime intervals. Transactions above roughly $250,000 may need verification from Visa; the single-transaction ceiling is about $750,000. Extra safeguards at gas stations: at most 2 automated-fuel transactions in 3 days and a minimum balance check of about $175 before approval. Always confirm current rates on the Solid website before applying.

Is the Solid Card legit, and who is behind it?

The Solid Card has more than one issuer of record, by region. Rain (Signify Holdings, Inc.), USA (New York), named in its source. 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. Lead Bank, USA (Missouri state-chartered), inferred from the program manager rather than stated by the issuer. Fuse-network card (≠ bankrupt Solid Financial Technologies). The sources are linked in the issuer section above. We do not collect user reviews. The answer comes from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the fact-check date shown on this page.

Is the Solid Card worth it?

Solid Card is worth a look mainly for its 5% cashback rewards and true self-custody (your keys stay yours until the moment of purchase), which suits DeFi users and privacy-focused holders who want full control of their keys. Across the criteria we track, it holds up well with few notable trade-offs.

How does the Solid Card cashback work?

Solid Card pays 3% on eligible purchases. Tier requirements and earning caps apply; check the Solid rewards page for the specifics.

Where is the Solid Card available?

Solid Card is available in: United States plus Latin America, the Caribbean, Africa, Asia, Oceania and the Middle East; the issuer publishes the country list, including Published by region on 12 Aug 2026: Latin America (18) Argentina, Belize, Bolivia, Brazil, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala and 56 more countries. Coverage can change as Solid gains or loses licences, so check their site for the latest.

What cryptocurrencies does the Solid Card support?

You can fund the Solid Card with: USDC and USDT deposits into the self-custodial Solid wallet on Fuse (FUSE and ETH have their own vaults), plus US-dollar bank transfers (new since our 12 Aug row): a Virtual Account gives verified users a personal US account and routing number for ACH and wire, "powered by Rain", with "banking services provided by SSB, Member FDIC"; incoming money converts to soUSD in the wallet at no fee, wires can land the same business day and ACH within a few business days, first-party bank deposits are unlimited and third-party ones capped at $4,000 per transfer. Virtual Accounts are not offered in 13 US states (California, Colorado, Hawaii, Indiana, Massachusetts, Missouri, New Jersey, New York, North Carolina, Tennessee, Texas, Utah, Virginia). The card is loaded from the wallet or from Savings (soUSD converts to USDC automatically) at 0%; under both cardholder agreements the loaded balance is collateral securing a 0%-interest credit line rather than a prepaid balance. The supported asset list can change, so verify in the Solid app before topping up.

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