Morse Card vs Solid Card
Crypto native
Crypto native
Verdict
- Morse Card and Solid Card have the same overall score (6.4/10).
- Morse Card is clearly stronger on: Custody & security.
- Solid Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Morse Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: Custody & security
Solid Card is a good fit for
- People who want to keep control of their keys
Stronger on: Cashback & rewards
★ 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 | Morse Card | Solid Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 34 | 46 |
| Availability | 100 | – |
| FX & international | 100 | – |
| Product features | 42 | – |
| Custody & security | 95 | 70 |
| Credit & financing | – | – |
| Limits & ATM | 20 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.2 | 5.9 |
| Best for Travel | 6.8 | n/a |
| Best for Self-Custody | 7.5 | 6.8 |
| Best for DeFi Users | 6.4 | 6.5 |
| Best for High Spenders | 5.0 | 5.8 |
| Best for Low Fees | 6.6 | 8.0 |
| Best for Beginners | 6.8 | 7.2 |
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
Prepaid card, Debit cardShow source
Credit cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Lead Bank (issuer); Bridge Ventures LLC (program manager)Show 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
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Stated for transfers/exchange at the real exchange rate
Top-up fee
FreeShow source
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Sending money to other Morse users, any country or currency, is free; fees apply to e.g. direct bank/IBAN/Pix/CLABE/Bre-B sends to a country you do not live in
Other fees & markups
Paying with Morse Card online and contactless is free · Some transactions include a small fee shown before sending; fee may apply per Cardholder AgreementShow 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
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Currently only for Morse Card holders in Mexico and Colombia; users referred or with a promo code get 10% for first 30 days (up to 20 USD) then 1%
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
Morse BalanceShow source
USDCShow source
Cashback type
StablecoinShow source
Interest on balance
3%Conditions apply: tap or hover for detailsShow source
Earn Wallet; shown for US and Mexico
6%Conditions apply: tap or hover for detailsShow source
Up to, on dollars (SoUSD)
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Per month; the 10% promo rate for referred/promotional users is capped at 20 USD in the first 30 days
Cashback conditions
Only available to certain users in Mexico and Colombia; must be a Morse Card holder living there · Cashback credited within 48 hours of the transaction settling · Residents of New York State are ineligible for Morse CardShow source
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
Reward exclusions
Gaming and in-app purchases · Gift cards · Betting and gambling · Casinos · Financial apps and services · Spending at Wompi, Bold, ePayco, Contreras Tech, OpenPay, Whop, PayPal, AstroPay, Airbnb, Global Co, Edupacks, and Lucid Trading · Canceled, reversed, refunded, charged back or disputed purchasesShow source
Credit & financing
Spend by borrowing against collateral
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
150+ countries
Account / spend currencies
USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source
Account details for receiving
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Account details for receiving payments
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Fully virtual for now; physical card coming soon
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoConditions apply: tap or hover for detailsShow source
ATM withdrawals coming soon
Spendable assets
BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Crypto wallet deposits; spending from Morse balance
Blockchains
SolanaConditions apply: tap or hover for detailsShow source
Free deposits/withdrawals of USDC, USDG or EURC via Solana
Security & custody
Regulation / licences
US Money Services Business (Avian Labs) · MiCA CASP authorised by AFM Netherlands (registration 41000005) · NMLS ID 2639252 (Avian Labs USA, Inc.)Conditions apply: tap or hover for detailsShow source
Applies to Avian Labs, the platform provider
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
Morse Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- 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