Lumo Card vs Solid Card
Crypto native
Crypto native
Verdict
- Solid Card scores higher overall (6.3 vs 6.2 out of 10).
- Lumo Card is clearly stronger on: Custody & security.
- Solid Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lumo Card is a good fit for
- People who want to keep control of their keys
Stronger on: Custody & security
Solid Card is a good fit for
- People who want to keep control of their keys
Stronger on: Fees
★ 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 | Lumo Card | Solid Card |
|---|---|---|
| Fees | 84 | 100 |
| Cashback & rewards | – | 40 |
| Availability | – | – |
| FX & international | 30 | – |
| Product features | 70 | – |
| Custody & security | 80 | 70 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.6 |
| Best for Travel | 5.3 | n/a |
| Best for Self-Custody | 7.1 | 6.8 |
| Best for DeFi Users | 6.8 | 6.4 |
| Best for High Spenders | n/a | 5.6 |
| Best for Low Fees | 6.8 | 8.0 |
| Best for Beginners | 7.5 | 7.1 |
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
Debit cardShow source
Credit cardShow source
Network
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Launch date
2026-07-01Conditions apply: tap or hover for detailsShow source
Wallet launch date, not necessarily card
Card issuer / program manager
Wirex (Basic); Interlace (Pro)Show source
RainShow source
Tiers / plans
Lumo Basic · Lumo ProShow source
Fees
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
Crypto conversion fee
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
Top-up fee
FreeShow source
Other fees & markups
Lumo Pro card one-time issuance fee $3.99 · Top-ups and other card fees shown in the appShow source
Cashback & rewards
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Up to, qualified purchases
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to, on dollars (SoUSD)
Credit & financing
Spend by borrowing against collateral
YesShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Virtual card
YesShow source
Security & custody
Smart-contract risk
YesShow source
Annual cost at 1,500 EUR/month
Lumo Card
- Annual & monthly feesunknown
- FX costs−63 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