SolCard
2.6/10Overall Score
Card Mode
Third-party custody
Card Type
Credit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $10
02Spending & Conversion
- Top-ups Fee
- 5%
Card Guide
Overview
SolCard is run by SC Payments Limited in Hong Kong as a crypto-funded prepaid virtual card on both Visa and Mastercard. Its distinguishing feature is minimal onboarding: the Virtual tier opens with an email address in about 18 seconds and no identity document, while the Platinum tier requires full KYC in exchange for higher limits, Apple Pay and Google Pay, and lower top-up fees. Balances are denominated in USD and spendable at merchants across the card networks.
| Item | Details |
|---|---|
| Formats: | virtual only, with Apple Pay and Google Pay on the Platinum tier. |
| Tiers: | Virtual without KYC and Platinum with KYC. |
| Funding assets: | SOL, USDC, USDT, SOLC and JITO among others, across 13 chains including Solana, Ethereum, Base, Polygon, BNB Chain, Arbitrum, Optimism, Avalanche, HyperEVM and Tron. |
| Use cases: | online spending, subscriptions and ad spend where handing over identity documents is impractical. |
Benefits
| Item | Details |
|---|---|
| Minimal onboarding: | the Virtual tier needs only an email and issues in 18 seconds with no identity document. |
| Rewards: | 100 SolCard Drop entries per USD 1 of eligible spending. |
| Platinum perks: | no top-up fee, higher limits, mobile wallet support and priority support. |
| Multi-chain funding: | deposits in USDC, USDT and SOL across 13 chains. |
| Refunds: | unused balances can be returned to an external wallet. |
| Controls: | instant freeze and unfreeze, with multiple virtual cards per account. |
Fees
| Item | Details |
|---|---|
| Issuance: | USD 10 on both tiers. |
| Monthly and annual fees: | none. |
| Top-up: | 5% on Virtual and 0% on Platinum. |
| Spending: | USD 0.30 per transaction. |
| FX: | 2% on Virtual and 0% to 1.5% on Platinum. |
| Other: | USD 0.15 on purchases under USD 10 and on declines, 2% on refunds, USD 1 per withdrawal, and 0.2% to 0.3% per mobile wallet payment on Platinum. |
Availability
| Item | Details |
|---|---|
| Supported (177): | including the UK, Japan, Germany, France, Brazil, India, Singapore and most of Europe. |
| Not supported: | the United States, Belarus, Cuba, Egypt, Hong Kong, Iran, Myanmar, Nigeria, North Korea, Russia, South Africa, Syria, Ukraine and Venezuela. |
| Onboarding: | an email address for Virtual, and a government document with identity verification for Platinum. |
| Spending limits: | USD 5,000 a month on Virtual and USD 100,000 a month on Platinum. |
| Cash access: | no ATM withdrawals, since the card is for online use. |
| Risk controls: | ten consecutive declines or a decline rate above 20% can cancel the card and freeze its balance. |