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
5%
ANNUAL FEE
Free
RIZON VISA CARD
RIZON
VISA

Rizon Visa Card

Rizon
  • High cashback
  • No fees
  • Self-custody
  • No staking
DEBITSolid logo
CASHBACK
5%
ANNUAL FEE
Free
SOLID CARD
SOLID
VISA

Solid Card

Solid
  • High cashback
  • No fees
  • Self-custody
  • Virtual card
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 on Fuse and cost 0.03% to 0.1% from other networks. 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.4.0Core pays 3% with no requirement. Under Solid's Rewards terms updated on 2 October 2026, Prime's 4% needs a $199 yearly subscription or 50,000 FUSE locked for 12 months, and points no longer unlock it. The score predates this change, when Prime could be reached by holding a withdrawable Savings balance.
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, the free Core tier pays 3% in USDC, about $45, within its $50 cap. Prime pays 4%, about $60, within its $100 cap, but under the Rewards terms updated on 2 October 2026 it needs a $199 yearly subscription or 50,000 FUSE locked for 12 months instead of points. The score predates this change.
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 detail that doesn't yet line up: some summary pages show only Solid's own FX fee (free at Ultra) rather than the 1% total. It is also a young product whose Rewards terms were revised on 2 and 6 October 2026. 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% now needs a $199 yearly subscription or 50,000 FUSE locked for 12 months. 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

  • 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 5%Up to 5%
Rewards paid inRizPoints (gamified)USDC
Annual feeFreeFree
Monthly feeNoneNone
FX fee1.7% + $0.10 on non-USD purchases (about 1% with Emerald)
Card spending in US dollars is free. Rizon's fee page lists 1.7% + $0.10 on other currencies, reduced with the Emerald subscription (from $5.59 a month).
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. Since 9 October 2026, cards issued by Wirex pay no FX fee on purchases a merchant charges in euros, when the purchase is paid in full from a EURC euro balance or from soUSD with Credit mode on.
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—ChatGPT, Claude, Gemini, Perplexity, Cursor, Midjourney, GitHub Copilot 10% Cashback, Netflix, Disney+, YouTube Premium, Prime Video, Max, Apple TV+, Paramount+ 10% Cashback, Spotify, Apple Music, YouTube Music, Deezer 10% Cashback, Uber, Grab, Gojek, Bolt, DiDi / 99, Cabify, FreeNow, Lyft, Yandex Go 8% Cashback, Emirates, Qatar Airways, Turkish Airlines, Singapore Airlines, Cathay Pacific, Etihad, British Airways, Lufthansa, Air France, KLM, United, Delta (booked direct) 10% 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.

COMMON QUESTIONS

Rizon Visa Card vs Solid Card: common questions

Which is better, the Rizon Visa Card or the Solid Card?

It depends on what you optimise for. Rizon Visa Card is a prepaid card advertising up to 5%; Solid Card is a debit card advertising up to 5%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Rizon Visa Card and the Solid Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

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

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