Solid Card Review: Free Visa With USDC Cashback

Summary

Solid is a stablecoin money app that pairs a non-custodial savings wallet with a free virtual Visa Platinum card issued through Rain or Wirex. Cashback is paid in USDC and grows with your Rewards tier, which you reach through a yearly subscription or by locking FUSE tokens.

At a glance

Network: Visa2 1
Card type: Debit1
Formats: Virtual1
Who holds your funds: You (self-custody)1
ID check: Full ID check1
Top up with: USDC, soUSD, EURC1
Top-up networks: Fuse, ERC20, Arbitrum, Base4 1
Apple Pay: Yes1
Google Pay: Yes1
ATM cash: Not available1
IBAN: Yes1

Fees and limits by tier

	Core	Prime	Ultra
Card issue fee	Free1	Free1	Free1
Annual fee	Free1	$1991	Free1
Monthly fee	Free1	Free1	Free1
Top-up fee	0%1	0%1	0%1
Crypto conversion	0.5%1	0.25%1	0%1
Foreign currency fee	1.5%1	1.5%1	1.5%1
Cashback	3%1	4%1	5%1
Monthly cashback cap	$501	$1001	$2001
Staking required	Not available	50,000 FUSE1	400,000 FUSE1

Core

Default tier for all members
Free virtual Visa Platinum card
No fee on USD card spending
Visa Platinum benefits (purchase/price protection, extended warranty, car rental cover)

Prime

Unlock with a $199/year subscription OR by locking 50,000 FUSE for 12 months
Bank deposits and swaps at half the Core fee
Higher cashback rate and cap

Ultra

Unlock by locking 400,000 FUSE for 12 months
No Solid fees on bank deposits and swaps
Highest cashback rate and cap

What works

Free virtual card with no monthly or top-up fees
Cashback in USDC at every tier
Funds stay in your own non-custodial wallet until spent
Broad country coverage including the EU, UK, Gulf and much of Africa and Asia
Local-currency funding in 16 currencies

What to watch

FX cost on non-USD spending at every tier
Higher tiers need a paid subscription or a 12-month FUSE token lock
Virtual card only; no physical card mentioned
Not available in India and several other markets

Where it works

Available in 87 countries.3 1

Show the country list

Andorra, Argentina, Australia, Austria, Azerbaijan, Bahrain, Bangladesh, Belgium, Bolivia, Brazil, Bulgaria, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czechia, Côte d’Ivoire, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Greece, Guatemala, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Italy, Japan, Kazakhstan, Kenya, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Malta, Mexico, Moldova, Morocco, Netherlands, New Zealand, Nigeria, Norway, Oman, Pakistan, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Romania, Saudi Arabia, Senegal, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vietnam, Zambia

Country guides for this card

Austria All countries

Countries where it isn't available (29)

Algeria, Angola, Burkina Faso, Cameroon, China, DR Congo, Ethiopia, India, Iraq, Lebanon, Libya, Mali, Monaco, Montenegro, Mozambique, Namibia, Nepal, Nicaragua, Niger, Palestine, Qatar, Serbia, Somalia, Sri Lanka, Sudan, Syria, Tanzania, Venezuela, Yemen1

Questions people ask

Who issues the Solid Card?

One of Solid's two card program partners, Rain or Wirex, depending on your country of residence. The card works the same way in both cases.

How do I reach a higher Rewards tier?

Prime is unlocked with an annual subscription or a 12-month FUSE lock, and Ultra with a larger 12-month FUSE lock. Your fees and cashback update automatically.

Can I fund the card without crypto?

Yes. You can make a cash deposit from your bank or mobile money wallet in 16 local currencies through TransFi, or use US account details for ACH and wire transfers where available.

How would you rate Solid Card?

Used this card? Tap the stars. One rating per person, no account needed.

Sources

The numbers on this page come from these official pages. The small numbered marks next to each fact point here.

support.solid.xyz/en/articles/13885984-understanding-solid-s-fees — Solid fees and limits: complete overview by tier (Core/Prime/Ultra): card free, 1.5% FX built into rate, swaps 0.5%/0.25%/0, cashback 3/4/5% with caps $50/$100/$200, Prime $199/yr or 50,000 FUSE lock, Ultra 400,000 FUSE lock (checked 2026-11-01)
support.solid.xyz/en/articles/13185531-what-is-the-solid-card — What is the Solid Card: virtual Visa Platinum, Rain or Wirex, Apple/Google Pay, cashback in USDC, non-custodial, 105 countries (checked 2026-11-01)
support.solid.xyz/articles/where-is-solid-available — Where is Solid available: full list of card countries and of countries where the card cannot be offered (checked 2026-11-01)
support.solid.xyz/articles/how-to-deposit-money-onto-your-solid-card — Deposit options: soUSD/Fuse, USDC on Ethereum/Arbitrum/Base and other chains, EURC on Base (Wirex), cash deposit in 16 local currencies via TransFi, $10 minimum (checked 2026-11-01)
solid.xyz/ — Homepage: up to 5% cashback, $0 monthly fees, yield, self-custodial, ACH/wire account details (checked 2026-11-01)

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Solid Card review