Image: Solid (Fuse)

Solid Card review: fees, cashback and limits

Name: Solid Card
Brand: Solid (Fuse)

A self-custody stablecoin Visa paying 3% back in USDC on the free tier, in 105 countries.

By Taimoor, founder and editor Last checked 17 October 2026 4 sources

7.9out of 10

Quick answer

Solid is a self-custody savings and spending app whose virtual Visa pays 3% back in USDC on the free Core tier, capped at $50 a month (so the full rate covers about $1,667 of spending). Prime ($199 a year, or a FUSE token lock) pays 4% up to $100, and Ultra pays 5% up to $200. The card, top-ups and USD spending are free; other currencies cost 1.5%. There's no ATM access. Solid says the card works in 105 countries, including 30+ US states.

Solid at a glance

Best for	Stablecoin savers who want high cashback on everyday spending and yield on what they don't spend.
Skip it if	You need a physical card or ATM cash.
Network	Visa
Card issuer	Rain or Wirex, depending on your country
Custody	Self-custody smart wallet. Card spending runs through the issuer partner.
Card type	Stablecoin debit, with an optional Credit mode backed by savings
Virtual or physical	Virtual
Cashback	3% to 5% in USDC
Annual fee	Core free. Prime $199 a year or a 12-month lock of 70,000 FUSE. Ultra needs a 12-month lock of 600,000 FUSE.
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required (ID and selfie)
Where it works	105 countries, including more than 30 US states. KYC approval and local restrictions apply.

Solid fees

Card cost	Free
Annual or membership fee	Core free. Prime $199 a year or a 12-month lock of 70,000 FUSE. Ultra needs a 12-month lock of 600,000 FUSE.
FX and cross-border	1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate. Cross-border fees are covered by Solid.
Crypto conversion	None. Top-ups and USD spending are free.
ATM withdrawals	Not available
Other fees	Wirex-issued cards: euro purchases paid from a EURC balance have no FX fee
	Minimum card deposit $10
	USD virtual account for ACH and wire: $10 once, then 0.5% per deposit on Core

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Solid app for your country before you load money. To see what Solid would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Solid

$0.00Paid from stablecoins in the card's own currency

$1.50Paid from stablecoins in a foreign currency

Not publishedPaid from other crypto, like BTC or ETH

$3.00Cashback on $100, Core tier

These are Solid's own fees on the Core tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1.5% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 18 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #1 of 20 in United States #1 of 36 in Europe (EEA)#1 of 20 in United Kingdom #1 of 27 in Latin America #1 of 24 in Asia-Pacific #1 of 14 in Africa #1 of 16 in Middle East

Cashback and rewards

Core 3%, capped at $50 a month. Prime 4%, capped at $100. Ultra 5%, capped at $200.
Prime and Ultra add 8% to 20% back on the first eligible purchase each month in categories such as AI tools and streaming, within the same cap
Points for holding, spending and swapping, with no announced redemption yet

Tier	Price or requirement	Cashback	Notes
Core	Free	3%, max $50 a month	1.5% FX
Prime	$199/year or 70,000 FUSE locked	4%, max $100 a month	Category cashback, +2% APY on first $10,000 saved
Ultra	600,000 FUSE locked for 12 months	5%, max $200 a month	Higher category cashback, +3% APY on first $25,000

Deposits and withdrawals

How to top up

USDC or USDT to your Solid wallet on Fuse, Ethereum, Base and other listed networks
EURC on Base for the euro balance on Wirex cards
ACH or wire into a USD virtual account where eligible

Fees: No Solid top-up fee. Network fees apply, and bridging from some networks costs about 0.03% to 0.1%.

How to withdraw

Move funds back to your wallet and send USDC on supported networks

Fees: Card-to-wallet free. Solid covers gas on USDC sends.

Supported assets: USDC and USDT, plus EURC for euro spending. Savings convert to soUSD.

Where Solid works

105 countries, including more than 30 US states. KYC approval and local restrictions apply.

Sanctioned countries and some US states. Check the app before you sign up.

GlobalUnited StatesEurope (EEA)United KingdomLatin AmericaAsia-PacificAfricaMiddle East

Limits and perks

Limits

Spending is limited by your balance; purchases above about $250,000 may need Visa verification

Perks

Savings vault paying a variable yield on USDC
Credit mode: spend against savings so they keep earning

Pros and cons

What's good

3% back in USDC with no fee
Free card, top-ups and USD spending
Self-custody with yield on idle savings

What's not

1.5% FX on non-USD purchases
Virtual only, no ATM access
Higher tiers need $199 a year or a large FUSE lock

Our take on Solid

Solid is a stablecoin savings app with a virtual Visa attached. Your money sits in a self-custody smart wallet, idle savings can earn a variable yield, and the card spends USDC wherever Visa works. Getting the card, topping up and spending in dollars are all free.

The headline is cashback. The free Core tier pays 3% in USDC, which is unusually high for a card with no fee, though it's capped at $50 a month, so the full rate stops after about $1,667 of spending. Prime ($199 a year, or a FUSE lock) and Ultra (a bigger FUSE lock) raise that to 4% and 5% with higher caps, and add bonus rates on things like AI subscriptions.

Non-USD purchases cost 1.5% at every tier, which the cashback more than covers. If your card is issued by Wirex, you can also hold EURC and pay in euros with no FX fee. The main gaps are no physical card and no ATM access.

One of the best free cashback cards right now, as long as you only need a virtual card. Stay on Core unless you spend over $1,700 a month.

How we scored Solid: 7.9/10

Methodology

Fees 30%

8 Free card and USD spending, 1.5% on other currencies.

Rewards 20%

9 3% free, up to 5%, with monthly caps.

Control 20%

8 Self-custody smart wallet.

Reach 15%

8 105 countries including the US.

Flexibility 15%

6 Stablecoins, EURC and a US virtual account, but no ATM.

Recent Solid updates

All news

12 October 2026

Solid raises the FUSE lock needed for Prime and Ultra

From 12 October 2026, unlocking Solid's Prime tier with tokens needs 70,000 FUSE locked for 12 months (up from 50,000), and Ultra needs 600,000 (up from 400,000). Prime is still available for $199 a year. The free Core tier keeps 3% back in USDC, capped at $50 a month.

Solid FAQ

How much cashback does the Solid card pay?

3% in USDC on Core (free), capped at $50 a month. Prime pays 4% up to $100 and Ultra 5% up to $200.

What fees does the Solid card charge?

The card, top-ups and USD purchases are free. Non-USD purchases cost 1.5%, built into the exchange rate.

Does Solid have a physical card or ATM access?

No. It's a virtual Visa you use online or with Apple Pay and Google Pay, and it can't withdraw cash.

Sources

Solid Help: card fees and limitsIssuers, FX, top-up, cashback by tier, checked Oct 17, 2026
Solid Help: how Solid Rewards worksTiers, prices, caps, FUSE lock change on Oct 12, 2026
Solid Help: fees and limits overviewDeposits, virtual account, withdrawals
Solid Help: euro cards with zero feesEURC balance on Wirex cards

We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.