Exa Card (Uphold) vs Solid Card
Crypto native
Crypto native
Verdict
- Exa Card (Uphold) and Solid Card have the same overall score (6.4/10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Solid Card is a good fit for
- People who want to keep control of their keys
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Exa Card (Uphold) | Solid Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 46 |
| Availability | 50 | – |
| FX & international | 40 | – |
| Product features | 53 | – |
| Custody & security | 70 | 70 |
| Credit & financing | 60 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.9 |
| Best for Travel | 5.7 | n/a |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.7 | 6.5 |
| Best for High Spenders | 6.0 | 5.8 |
| Best for Low Fees | 7.8 | 8.0 |
| Best for Beginners | 7.3 | 7.2 |
| Best Crypto Credit Card | 7.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Crypto-backed creditShow source
Credit cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Self-custodyShow source
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
Rain or Wirex (card issuer depends on card)Conditions apply: tap or hover for detailsShow source
Solid itself is a fintech, not a bank
Tiers / plans
Core · Prime · UltraConditions apply: tap or hover for detailsShow source
Solid Rewards tiers named in bank deposit fee
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FreeShow source
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Purchases in a currency other than USD
Top-up fee
FreeShow source
Other fees & markups
Origination fee may be charged when a loan is made; included in the interest paid on the installments of that loanShow source
Virtual Account opening fee $10, charged once, no monthly fee · Bank deposit fee on Virtual Account transfers: 0.5% at Core, 0.25% at Prime, free at Ultra · No conversion spread on Virtual Account depositsConditions apply: tap or hover for detailsShow source
Applies to Virtual Accounts (receiving USD by ACH/wire), not card purchases
Cashback & rewards
Max cashback
50%Conditions apply: tap or hover for detailsShow source
Ultra tier, eligible AI and subscription purchases only; Prime 25%; monthly caps per tier apply
Cashback paid in
USDCShow source
Cashback type
StablecoinShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to, on dollars (SoUSD)
Cashback conditions
Subscription cashback only on eligible AI and subscription merchant categories · Counts toward tier's monthly cashback cap · Credited after standard settlement periodShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Staking FUSE is a fast way to unlock Prime/Ultra tier (tiers can also be reached otherwise)
Staking asset
FUSEShow source
Credit & financing
Credit line
YesShow source
Credit type
InstalmentsConditions apply: tap or hover for detailsShow source
One payment or up to 8 fixed-rate installments every 28 days
Collateral assets
BTC · ETH · USDC · XRPShow source
Interest notes
Fixed APR per payment option, confirmed at purchaseShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Spending limit depends on collateral value and health score
Spend by borrowing against collateral
YesShow source
YesShow source
Availability
Available in
AG, Argentina, Australia, BS, BD, BB, BZ, BO, Brazil, KY, Colombia, CR, CI, DM, DO, EC, EG, SV, GH, GD, GT, GY, HN, Indonesia, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZMConditions apply: tap or hover for detailsShow source
Residents of listed countries; also certain US states; Nigeria, South Africa and Sri Lanka only subject to approval (not included)
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Card cannot be issued to residents; China listed as Mainland
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Card currency
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
Virtual card
YesShow source
YesShow source
Security & custody
Deposit protection
NoConditions apply: tap or hover for detailsShow source
soUSD and Solid wallet balance not FDIC insured; FDIC applies only to eligible deposits held at SSB during passthrough
Smart-contract risk
YesShow source
Annual cost at 1,500 EUR/month
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Solid Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers