The Solid Card earns 3-5% USDC cashback on a Visa credit card with no annual fee, available in 105 countries (30+ US states).
Solid is a non-custodial savings and spending app from the Fuse ecosystem in which each account is a Safe smart wallet that earns DeFi yield through soUSD, a yield-bearing version of USDC. Its virtual Visa card is issued through one of two card programme partners, Rain or Wirex, depending on the user's country of residence, and the published card terms name Third National as the issuer.
The Solid Card is a crypto credit card offered by Solid, available in 105 countries (30+ US states). It offers 3-5% USDC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Note that the card is virtual only. It runs on the Visa network and requires full 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. Compare more options in our regional guides for the US, Europe, the UK, Latin America, and Singapore. See where it ranks among the best crypto credit cards.
Solid Card is offered in 104 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Core | 3% | Free, all members start here. $50/mo cashback cap |
| Prime | 4% | 50,000 FUSE staked (30-day unstaking cooldown), or 5,000,000 Solid Rewards points. $100/mo cashback cap |
| Ultra | 5% | 400,000 FUSE staked (30-day unstaking cooldown), or 35,000,000 Solid Rewards points. $200/mo cashback cap |
On $500/mo spend, the estimated monthly cost breakdown for Solid Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $15.00/mo cashback that nets a gain of about $15.00/mo ($180.00/yr). Solid Card 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.
Note: Virtual-only Visa Platinum card spent from a non-custodial Safe smart wallet; there is no physical card and no ATM or cash-advance access. This is a SECURED credit card rather than prepaid debit: the US terms are titled 'Solid Credit Card Account Opening Disclosures' with 0% purchase APR and no annual fee, and the international terms describe a secured account with 0% interest and a late payment fee of up to $40. Issued through Rain or Wirex depending on country of residence; both published card terms name Third National as issuer. CASHBACK: Core 3% (all members), Prime 4% and Ultra 5%, capped at $50, $100 and $200 of cashback per month. Prime and Ultra are reached by earning Solid Rewards points (5,000,000 and 35,000,000) or instantly by staking 50,000 or 400,000 FUSE, with a 30-day cooldown to unstake. Points accrue on savings balances and on card spend and swaps. Cashback is paid in USDC 14 days after the transaction settles and lands in Savings as yield-bearing soUSD. Prime and Ultra also get 25% and 50% back on eligible AI, streaming and music subscriptions, which counts toward the tier's cap and is limited to $50 per eligible service per month; the rewards article and the rewards terms disagree on how many subscription categories qualify. Per Solid's cashback-exclusions article (effective 2026-08-28), cash-related transactions (ATM withdrawals, cash advances, quasi-cash), crypto purchases, gambling, government payments, refunds and excluded merchant categories earn no cashback. A 10% launch promotion ended 2026-08-20. FEES: no issuance, monthly, annual or top-up fee, and USD spending is free. Non-USD spending carries a 1% card-provider FX fee plus a Solid FX fee of 1% (Core), 0.5% (Prime) or 0% (Ultra), so 2%, 1.5% or 1% in total; the international card terms allow foreign-exchange and cross-border fees of up to 3% each, but the fee pages are recorded as the operative figures. Maximum single transaction up to about $750,000, with checks above about $250,000. Solid Savings (non-custodial yield) is available worldwide without the card. Apple Pay and Google Pay supported. The help centre states 105 countries; its per-country list tallies to 104 including the US.
Other crypto cards in the same region or category that may suit your spending profile:
The Solid Card is a crypto credit card offered by Solid. It is available in 105 countries (30+ US states) and allows users to spend cryptocurrency at merchants worldwide.
The Solid Card offers 3-5% USDC cashback. There are 3 tiers: Core (3%), Prime (4%), Ultra (5%).
The Solid Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 2% Core / 1.5% Prime / 1% Ultra (1% card-provider fee plus 1%, 0.5% or 0% Solid FX fee); ATM: Not available (virtual card; no cash advances); Top-up: 0%.
Yes. The Solid Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Solid Card is available in Andorra, Antigua and Barbuda, Argentina, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Brazil, Bulgaria, Cayman Islands, Chile, Colombia, Costa Rica, Côte d'Ivoire, Croatia, Cyprus, Czech Republic, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Gibraltar, Greece, Grenada, Guatemala, Guernsey, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, 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, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Saudi Arabia, Senegal, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad and Tobago, Turkey, Turks and Caicos Islands, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vietnam, Zambia, according to the provider's published list.
The Solid Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Solid Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Solid Card supports Apple Pay and Google Pay for contactless payments.
The Solid Card is issued by Third National.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.