Comparison
Karma Card vs. Solid Card: fees, limits & KYC
-
Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Karma CardKarma
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Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Solid CardSolid
In short
- Karma Card has the lowest foreign currency fee (1 % + 0.30 USD).
- Fewest documents: Karma Card (ID document).
- Solid Card has the best score (7.4).
| Attribute |
|
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual |
| Score | average | good with variant Prime: 7.5 with variant Ultra: 7.5 |
| CostsWeight 25 % | 7.7 | 7.5 |
| TrustWeight 20 % | 5.0 | 7.5 |
| KYC and privacyWeight 15 % | 6.5 | 4.5 |
| FeaturesWeight 15 % | 7.1 | 8.8 |
| AvailabilityWeight 10 % | not scored | 10.0 |
| RewardsWeight 10 % | not scored | 7.2 |
| CommunityWeight 5 % | not scored | 6.9 |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
credit
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
Cards are issued either by the issuer identified on the back of the Karma Card issued to you, as identified in these Card Terms, or any other agreements or materials provided to you (in each case, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit
support.solid.xyz checked 30 Oct 2026
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Source
support.solid.xyz
Wording at the source
This Account is a secured Account. Either your primary Linked Wallet or any Additional Wallets may provide the collateral that will secure the Charges made by you on any Card (the "Collateral").Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
karmapay.xyz checked 30 Oct 2026
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Source
karmapay.xyz
Wording at the source
We or the Issuer may decide not to grant requests for Karma Cards or limit the number of physical or virtual Karma Cards provided to you.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
virtual
support.solid.xyz checked 30 Oct 2026
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Source
support.solid.xyz
Wording at the source
Once verification is approved, your free virtual Visa card is activated automatically. There is no order step and no deposit required to activate it.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Everything you need to know about ordering, activating, funding, and using your Solid Visa Card: spending, limits, and troubleshooting.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
4. Your Karma wallet is non-custodial. You alone hold and control your assets, and balances are not pooled or commingled with Karma funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
solid.xyz checked 30 Oct 2026
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Source
solid.xyz
Wording at the source
Self-custodial by design You hold the keys, secured by passkeys and audited key infrastructure. Not even Solid can move your funds.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
Trade across chains, spend with a crypto card, and receive euros, dollars, and pounds. Self-custodial, one stablecoin balance.Self-custodial, settled to one stablecoin balance.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
support.solid.xyz checked 30 Oct 2026
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Source
support.solid.xyz
Wording at the source
Your card only spends its Spendable balance, shown at the top of the card screen. The total balance in the app also counts your Wallet and Savings, so it can be higher than what the card can use.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
USD
karmapay.xyz checked 29 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
EUR, USD
support.solid.xyz checked 30 Oct 2026
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Source
support.solid.xyz
Wording at the source
In short: getting the card is free, adding money is free, and spending in US dollars is free.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
You will use the Karma Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
support.solid.xyz checked 30 Oct 2026
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Source
support.solid.xyz
Wording at the source
- You will use the Solid Card for personal, family, or household use.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
Third National
karmapay.xyz checked 29 Oct 2026
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Source
karmapay.xyz
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Third National
support.solid.xyz checked 31 Oct 2026
Two sources, two values
ShownThird National
support.solid.xyzchecked 31 Oct 2026
"Issuer" refers to Third National, including its affiliates, successors, and assigns.DifferingRain or Wirex, depending on country of residence support.solid.xyzfetched 30 Oct 2026 The Solid Card is issued by one of our two card program partners, Rain or Wirex, depending on your country of residence. The program is assigned automatically when you order.The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
| Limits depend onsame for all | unknown | |
| Cards per accountsame for all | unknown | |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
USDC
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Eligible Ethereum USDC balances now appear alongside other Cash balances when topping up a Karma card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
ETH, USDT, USDC, EURC, WBTC, WETH, So U S D, VOLT, WFUSE, So E T H, FUSE
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
- USD Coin (USDC – Stargate) - Tether USD (USDT – Stargate) - Wrapped Ether (WETH – Stargate) - Solid USD (soUSD) - Wrapped Bitcoin V2 (WBTC) - Voltage Finance (VOLT) - Wrapped FUSE (WFUSE) - Solid ET...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networkssame for all |
Ethereum, Polygon, Arbitrum, Optimism
karmapay.xyz checked 30 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
"Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Fiat top-upsame for all | unknown |
Yes
support.solid.xyz checked 30 Oct 2026
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Source
support.solid.xyz
Wording at the source
And you can fund your card balance in 16 local currencies straight from your bank or mobile money wallet (Pix, bKash, GCash, SPEI, SEPA, M-Pesa and more), powered by TransFi.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same for all |
Apple Wallet support — add your Karma card to Apple Wallet for tap-to-payChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
From the card screen you can view your card details, freeze the card, and add it to Apple Pay or Google Pay.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Implemented an updated fee collection mechanism for Karma card transactions, covering pass-through costs and service fees. Fees are automatically calculated and collected alongside each transaction wi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Contactlesssame for all |
Yes
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
- Apple Wallet support — add your Karma card to Apple Wallet for tap-to-payChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Fees | ||
| Virtual card issuancesame for all | unknown |
0.00 USD
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
Getting your card is free and takes most people under 3 minutes.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown | |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Card payments - Karma service fee: 0.5% per transaction - FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Monthly feesame for all |
0.00 USD
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
- No subscriptions: No signup, monthly, or hidden feesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
solid.xyz checked 30 Oct 2026
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Source
solid.xyz
Wording at the source
$0 monthly feesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual feesame for all | unknown |
not published
support.solid.xyz checked 31 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
Fees Transaction Fee Foreign Purchases - Foreign Exchange Fee (non USD): up to 3% - Cross Border Fee: up to 3% Penalty Fees - Late payment: Up to $40 - Returned payment: Up to $29Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown |
free
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
- Solid top-up fee: 0%. Solid does not take a cut for loading funds: the full amount that reaches your card is available to spend.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Bank transfers - On-ramp fee: 1%* - Off-ramp fee: 0.5% - SEPA transfer: $1.45 - ACH transfer: $0.95Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Crypto conversion feesame for all | unknown | |
| Foreign currency fee (differs)same for all |
1 % + 0.30 USD
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
- FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
1.5 %
support.solid.xyz checked 30 Oct 2026
Two sources, two values
Shown1.5 %
support.solid.xyzchecked 30 Oct 2026
- 1.5% FX cost, built into the exchange rate. Your card provider (Rain or Wirex) converts the purchase to USD.Differingup to 3 % support.solid.xyzfetched 30 Oct 2026 - Foreign Exchange Fee (non USD): up to 3%Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| FX free allowancesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
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Source
docs.karmapay.xyz
Wording at the source
- FX fee: 1% on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Minimum FX feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
- FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| ATM feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Implemented an updated fee collection mechanism for Karma card transactions, covering pass-through costs and service fees. Fees are automatically calculated and collected alongside each transaction wi...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not published
support.solid.xyz checked 31 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
In short: getting the card is free, adding money is free, and spending in US dollars is free. The only cost is on purchases in a currency other than USD, where a 1.5% FX cost is built into the exchang...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Transaction fee (differs)same for all |
0.5 %
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Karma service fee: 0.5% per transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
free
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
- No fee. If a purchase is settled in US dollars, neither your card provider nor Solid charges anything, whatever country the merchant is in.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border feesame for all |
0 %
karmapay.xyz checked 30 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
- Cross Border Fee: up to 3%, currently 0%Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0 %
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
Fees Solid covers for you - Maintenance fee: none. - Cross-border fee: absorbed by Solid, not charged to you. - International transaction fee: covered by Solid, not passed through to you.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Card payments - Karma service fee: 0.5% per transaction - FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Account closure feesame for all |
not published
karmapay.xyz checked 31 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
#### Transaction Fees Foreign Purchases: - Foreign Exchange Fee (non USD): up to 3%, currently 1% (Charged by Visa. There is no markup from Karma) - Cross Border Fee: up to 3%, currently 0% #### Pe...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
support.solid.xyz checked 31 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
Fees Transaction Fee Foreign Purchases - Foreign Exchange Fee (non USD): up to 3% - Cross Border Fee: up to 3% Penalty Fees - Late payment: Up to $40 - Returned payment: Up to $29Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute feesame for all |
not published
karmapay.xyz checked 31 Oct 2026
Source and check
Source
karmapay.xyz
Wording at the source
Charges relating to disputed Charges and Chargebacks that are pending resolution may still be due and owing as of the date that payment is due as provided in the applicable Periodic Statement. Chargeb...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
support.solid.xyz checked 31 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
Fees Transaction Fee Foreign Purchases - Foreign Exchange Fee (non USD): up to 3% - Cross Border Fee: up to 3% Penalty Fees - Late payment: Up to $40 - Returned payment: Up to $29Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-up (differs)same for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Card payments - Karma service fee: 0.5% per transaction - FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
10.00 USD
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
Card deposits must be at least $10.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Declined payment feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Card payments - Karma service fee: 0.5% per transaction - FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Refund feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Card payments - Karma service fee: 0.5% per transaction - FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Inactivity feesame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
General - No subscriptions: No signup, monthly, or hidden feesChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Minimum monthly spendsame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
General - No subscriptions: No signup, monthly, or hidden feesChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Card payments - Karma service fee: 0.5% per transaction - FX fee: 1% on non-USD transactions - International transaction fee: $0.30 flat network fee charged by Visa on non-USD transactionsChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Unknown for all | Physical card issuance · Free cards · Crypto conversion fee · Withdrawal fee · Inactivity rule | |
| Rewards | ||
| Cashback (differs)same for all |
not published
docs.karmapay.xyz checked 30 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Karma Points earned on swaps and card purchases. KP determine your rewards tier (Seed / Rising / Elite / Black) and its cashback rate, so a higher multiplier compounds: you earn KP faster, climb tiers...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Referral bonus (invited friend)same for all | unknown |
$25 worth of FUSE
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
- Your friend earns $25 in FUSE after signing up with your referral link, activating their card, spending $150 on everyday purchases at 3 or more different shops with $10 or more at each within 30 day...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs)same for all |
not published
docs.karmapay.xyz checked 29 Oct 2026
Source and check
Source
docs.karmapay.xyz
Wording at the source
Referrals — invite friends with your own custom invite code.Checked Verified Add this value? No earlier versions What does [s] mean? |
$25 worth of FUSE
support.solid.xyz checked 30 Oct 2026
Source and check
Source
support.solid.xyz
Wording at the source
- You earn $25 in FUSE for each friend who completes those steps, up to 50 rewards in total.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown | |
| Unknown for all | Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Karma Card · Solid Card: promotions and bonuses as well as warnings and incidents.