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Ethena Pay vs SolCard

Ethena Pay scores higher on the G2M score: 83/100 against 35/100 (#2 and #32 of 33 cards). Pick Ethena Pay for cashback, a lower FX fee and control of your funds; pick SolCard for more countries.

Ethena Pay83

#2 of 33 · 4% to 5% back · annual fee none

Get EthenaRead the review
SolCard35

#32 of 33 · 0% to 1.3% back · annual fee none

Get SolCardRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 35/100 (#2 and #32 of 33 cards).
  • Ethena Pay pays more cashback on its entry tier: 4% against 0%. Higher tiers go up to 5% on Ethena Pay and 1.3% on SolCard.
  • Neither card has an annual fee.
  • Ethena Pay charges less on foreign currency: a 1% FX fee against 2%.
  • Ethena Pay lists 48 countries where it works; SolCard does not publish a full country list (245 confirmed so far). Of the markets we check for every card, only SolCard is confirmed in United States, United Kingdom, EU / EEA and India.
  • Ethena Pay is self-custodial; SolCard is custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Ethena Pay
SolCard
G2M score
83 (better)
35
Base cashback
4% (better)
0%
Max cashback
5% (better)
1.3%
Paid in
AVAX, daily
USDT or USDC
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0% (better)
5%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal
Not published
Network
Visa
Visa / Mastercard
Card type
Spend
Prepaid
Custody
Self-custodial
Custodial
No ID check
ID needed or not stated
Yes: Virtual card
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Yes
UAE
Yes
Yes
United States
No
Yes
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
48
Worldwide except Hong Kong and sanctioned countries; in the US only the Virtual card (online)
Bank account (IBAN or account number)
In your name
Not confirmed
Send money to a bank account
Not confirmed
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Not confirmed
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
Standard · Pro · VIP
Virtual · Platinum · Signature · Private
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
No ID check needed for the Virtual card · Physical Platinum card with Apple Pay and Google Pay · Top up from 13 networks, incl. Bitcoin, Solana and Tron · SOLC staking: free cards and cashback · Online only, no Apple Pay or Google Pay

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Ethena Pay or SolCard?

Ethena Pay scores higher on the G2M score: 83/100 against 35/100 (#2 and #32 of 33 cards). Pick Ethena Pay for cashback, a lower FX fee and control of your funds; pick SolCard for more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Ethena Pay or SolCard?

Neither card has an annual fee. Ethena Pay charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Ethena Pay or SolCard?

Ethena Pay pays more cashback on its entry tier: 4% against 0%. Higher tiers go up to 5% on Ethena Pay and 1.3% on SolCard.

Which works in more countries, Ethena Pay or SolCard?

Ethena Pay lists 48 countries where it works; SolCard does not publish a full country list (245 confirmed so far). Of the markets we check for every card, only SolCard is confirmed in United States, United Kingdom, EU / EEA and India.

Who holds my funds with Ethena Pay and SolCard?

Ethena Pay is self-custodial; SolCard is custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.