[ head to head ]

SolCard vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 35/100 (#22 and #34 of 36 cards). Pick SolCard for more countries; pick XPlace Card for cashback and control of your funds.

SolCard35

#34 of 36 · 0% to 1.3% back · annual fee none

Get SolCard Read the review

XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

XPlace Card scores higher on the G2M score: 57/100 against 35/100 (#22 and #34 of 36 cards).
XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 1.3% on SolCard and 2% on XPlace Card.
Neither card has an annual fee.
SolCard charges 2% on foreign currency; XPlace Card does not publish its FX fee.
SolCard is confirmed in more countries: 245 against 233, though neither publishes a full list. Of the markets we check for every card, only SolCard is confirmed in India.
SolCard is custodial; XPlace Card is non-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

SolCard

XPlace Card

G2M score

Base cashback

0.5%

Max cashback

1.3%

Paid in

USDT or USDC

USDC

Annual fee

Free

FX fee

Not published

Top-up fee

Per-purchase fee

None listed

ATM

Not published

Network

Visa / Mastercard

Visa

Card type

Prepaid

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

$10 off Virtual card issuance, which normally costs $10

None published

No ID check

Yes: Virtual card

ID needed or not stated

Formats

virtual, physical

Apple / Google Pay

Yes / Yes

India

Yes

UAE

Yes

United States

Yes

United Kingdom

Yes

EU / EEA

Yes

Countries

Worldwide except Hong Kong and sanctioned countries; in the US only the Virtual card (online)

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states

Bank account (IBAN or account number)

Not confirmed

Send money to a bank account

Not confirmed

Buy and sell crypto with fiat

Not confirmed

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Virtual · Platinum · Signature · Private

Basic · Silver · Gold · Platinum

Perks

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

Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 a month

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 31 Oct 2026; see each card's review for its sources.

Questions

Which is better, SolCard or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 35/100 (#22 and #34 of 36 cards). Pick SolCard for more countries; pick XPlace Card for cashback and control of your funds. 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, SolCard or XPlace Card?

Neither card has an annual fee. SolCard charges 2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, SolCard or XPlace Card?

XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 1.3% on SolCard and 2% on XPlace Card.

Which works in more countries, SolCard or XPlace Card?

SolCard is confirmed in more countries: 245 against 233, though neither publishes a full list. Of the markets we check for every card, only SolCard is confirmed in India.

Who holds my funds with SolCard and XPlace Card?

SolCard is custodial; XPlace Card is non-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.