Rizon Visa Card vs Solid Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

PREPAIDRizon logo
CASHBACK
2.5%
ANNUAL FEE
Free
RIZON VISA CARD
RIZON
VISA

Rizon Visa Card

Rizon
  • No fees
  • Self-custody
  • No staking
  • Apple Pay
DEBITSolid logo
CASHBACK
5%
ANNUAL FEE
—
SOLID CARD
SOLID
VISA

Solid Card

Solid
  • High cashback
  • Self-custody
  • Virtual card
  • Apple Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Rizon Visa Card and the Solid Card
CriterionRizon Visa CardSolid Card
Overall3.3 / 54.1 / 5
Cost 25%3.5No annual fee, but FX is 1.7% on the free plan, a virtual card costs $10, a physical one $49.99, and ATM withdrawals $1 plus 0.65%.4.0No card, monthly or top-up fee, and no FX fee on USD purchases. On the default Core tier, non-USD purchases cost 2% in total, a 1% card-provider fee built into the rate plus Solid's own 1%, which is what sets this score. Bank deposits cost 0.5% at Core; crypto deposits are free. No ATM access, as the card is virtual-only.
Conditions 25%4.0The free plan pays nothing. The 2.5% rate needs the Emerald plan at $7.99 a month, which typical spending does recover.4.0Prime's 4% needs 5,000,000 Solid Rewards points. Nothing has to be locked: Savings earns 1 point per $1 per hour, so holding $5,000 gets there in about six weeks, and the balance stays withdrawable. Staking 50,000 FUSE unlocks Prime instantly, but unstaking has a 30-day cooldown. Core pays 3% with no requirement.
Rewards 25%3.02.5% on the $96-a-year Emerald plan, worth roughly 2% after the subscription. Rewards are issued as RizPoints rather than plain cash.5.0For a $1,500/month spender on Prime, 4% in USDC is about $60, within the $100 monthly cap. Prime is reachable without locking funds, by holding a Savings balance for a few weeks. On Core it is 3%, about $45, within the $50 cap.
Reliability 25%2.5Self-custodial with card services through Rain, but Rizon's fee page sends you to the app for most numbers and sources disagree about its plan names.3.5Solid now publishes its full fee schedule, tier terms and country list, and its fee page clearly explains the total FX cost. The score reflects a few details that don't yet line up: some summary pages show only Solid's own FX fee (free at Ultra) rather than the 1% total, and one rewards page gives a faster points rate for card balances than the Rewards terms do. It is also a young product whose terms changed this month. We'll happily review this score as these settle.
Solid Card

Solid is a strong self-custody debit card, and its Wirex rollout opens it to the UK and the whole EU. Its 3% Core cashback in USDC needs no staking, and Prime's 4% can be reached by holding a Savings balance rather than locking tokens. The trade-offs are the $50/$100/$200 monthly cashback caps, a 2% total FX cost on non-USD purchases at Core, and a virtual-only card with no ATM access.

QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    Solid Card
    Up to 5% vs Up to 2.5%
  • CHEAPER TO HOLD
    Rizon Visa Card
    no annual fee vs
  • NO TOKEN LOCK-UP
    Rizon Visa Card
    headline rate without staking

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rizon Visa Card is a prepaid card while Solid Card is a debit card — that changes how you fund it, not just what it pays.
  • Rewards arrive in different assets: RizPoints (gamified) on the Rizon Visa Card, USDC on the Solid Card.
EVERY FIELD

Rizon Visa Card vs Solid Card, side by side

Full field-by-field comparison of the Rizon Visa Card and the Solid Card
FieldRizon Visa CardSolid Card
Card typePrepaidDebit
NetworkVisaVisa
Max cashbackUp to 2.5%Up to 5%
Rewards paid inRizPoints (gamified)USDC
Annual feeFreeFree
Monthly feeNoneNone
FX fee1.7%
(25% off on Gold, 50% off on Emerald)
2% Core
Total cost on non-USD purchases: a 1% card-provider fee built into the exchange rate, plus Solid's own FX fee of 1% at Core, 0.5% at Prime and 0% at Ultra. Purchases settled in USD are free.
ATM fee$1 + 0.65%Not available (virtual card)
Crypto conversionFree—
Where it works122+ countries (card issuance: US + Latin America; usable in 147+ countries)All EU and EEA member states (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway), United Kingdom, Switzerland, Andorra, Gibraltar, Guernsey, Jersey, Isle of Man, Moldova, Ukraine, Argentina, Belize, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Mexico, Panama, Paraguay, Peru, Suriname, Uruguay, Antigua and Barbuda, Bahamas, Barbados, Cayman Islands, Grenada, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Côte d'Ivoire, Egypt, Ghana, Kenya, Morocco, Nigeria, Senegal, South Africa, Uganda, Zambia, Azerbaijan, Bangladesh, Georgia, Hong Kong, Indonesia, Japan, Kazakhstan, Macao, Malaysia, Pakistan, Philippines, Singapore, South Korea, Taiwan, Thailand, Uzbekistan, Vietnam, Bahrain, Israel, Oman, Saudi Arabia, Turkey, United Arab Emirates, Australia, New Zealand, United States (30+ states). NOT available to residents of: Belarus, China, Cuba, India, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Venezuela.
Rebates—Netflix, Disney+, Paramount+, YouTube 25% Cashback, ChatGPT, Claude AI, Perplexity, Midjourney, Cursor 25% Cashback, Spotify 50% Cashback
Self-custodyYesYes
No staking neededYesNo
Apple PayYesYes
Google PayYesYes
Virtual card—Yes

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

GO DEEPER

Read the full review of each

Rizon Visa Card review →Solid Card review →Compare three cards instead

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