Figo vs Solid Card
Both Figo and Solid Card clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Figo issues on Visa (US BIN) and Solid Card on Visa; both ask for ID + proof.
Solid Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The short version of the matchup
| Field | Figo | Solid Card |
|---|---|---|
| Card network | Visa (US BIN) | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | $2 (limited-time free) | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 2% + $0.6 intl | — |
| Crypto funding | Yes (USDC/USDT/PYUSD) | Yes (USDC) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low |
| Our rating | 8.2 | 8.5 |
| User reviews | 851 | 847 |
| Best for | Ad spend · Streaming | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Solid Card costs less to keep open, so it is the one to reach for if you are watching your budget.
- Solid Card shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- In our scoring, Solid Card finished ahead of Figo — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, Solid Card is the calmer of the two.
The two, compared
Solid Card is the cheaper card to hold: free to create and no top-up fee, against about $2 and no top-up fee at Figo. Figo earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against Solid Card's 8.5/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Solid Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
Figo asks for ID + proof at signup; Solid Card asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 2 of the same test scenarios, including Snapchat Ads, Outbrain. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Figo and Solid Card both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 2
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇺🇸 US — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: