The SolCard is a Visa/Mastercard debit card with no annual fee, available in Global (150M+ merchants). KYC is optional.
The SolCard is a crypto debit card offered by SolCard, available in Global (150M+ merchants). There is no annual fee to hold this card.
Best suited for users who prefer minimal identity verification. It runs on the Visa/Mastercard network with optional identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Base | 0% | No cashback program currently exists |
On $500/mo spend, the estimated monthly cost breakdown for SolCard is: gas $0.00, conversion spread $12.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 2.5% of spend. After $0.00/mo cashback that is still a net cost of about $12.50/mo ($150.00/yr). SolCard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
SolCard is a real, working Solana-based prepaid card, not a scam, but it is a narrow tool: a no-KYC virtual card that converts a crypto top-up to fiat at the point of sale, aimed at online spending. The Virtual tier issues in about 18 seconds with no identity check but carries a $10 issuance fee, a 5% top-up fee, and a $5,000 monthly limit; the KYC'd Platinum tier removes the top-up fee, lowers FX, adds Apple Pay and Google Pay, and lifts the cap. It suits privacy-focused users funding online subscriptions from stablecoins, not people who want a daily-driver card.
The spec-table caveats matter more than the specs. There is no physical card and no ATM access at either tier, and there is no cashback or rewards program at all: an independent 2026 review states there is "no rewards program at either tier", and SolCard's own blog concedes "there is no cashback program". Any "up to 8%" figure attached to this card is not backed by anything currently published on SolCard's site; the official product page lists fees, limits, and tiers with no reward rate anywhere.
The biggest operational risk is enforcement. Merchant rules are strict and automated: a card can be declined, restricted, cancelled, or frozen based on merchant type, transaction pattern, or compliance flags, and on the no-KYC card a single blocked-merchant transaction can result in permanent deactivation with a frozen balance that support may not be able to reverse. Ten consecutive insufficient-balance declines, or a decline rate above 20%, can also trigger permanent deactivation. SolCard's help center says a cancelled card's balance can still be withdrawn to your wallet, but only "as long as no rules were broken", which puts the burden on the user. Test with small amounts before committing a meaningful balance.
Updated 2026-07-06
Note: Two card tiers: Virtual (no-KYC, $5K/mo limit, 5% top-up fee, online-only, $10 issuance, 2% FX, $1 ATM, $0.30/txn purchase fee, $0.15 fee on sub-$10 purchases) and Platinum (KYC, no limit, 0% top-up, no transaction fees, IRL + Apple/Google Pay). 500K+ users. NO cashback program of any kind is currently live; the 8% SOLC staking cashback announced Aug 2025 was never released and SolCard's own blog states there is no cashback program. Marketing pivoted away from cashback, now emphasizes fees, privacy, Apple Pay.
Other crypto cards in the same region or category that may suit your spending profile:
The SolCard is a crypto debit card offered by SolCard. It is available in Global (150M+ merchants) and allows users to spend cryptocurrency at merchants worldwide.
The SolCard has an annual fee of $0. Additional fees: Conversion fee: 5% (virtual), 0% (Platinum); FX fee: 2%; Top-up: 5% (virtual), 0% (Platinum).
The SolCard has the following limits: monthly spending limit: Virtual: $5,000/month; Platinum: no limit. Limits can vary by account tier and verification level.
KYC is optional for the SolCard. Basic features work without identity verification, but verifying usually unlocks higher spending limits.
The SolCard is available in Global (150M+ merchants).
The SolCard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the SolCard supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.