Halocard vs Solid Card
Two virtual cards people weigh up side by side. We put Halocard and Solid Card on the same rows so the difference is easy to see.
Both issue 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, no top-up fee. Halocard still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The head to head
| Field | Halocard | Solid Card |
|---|---|---|
| Card network | Visa | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Essential 3 cards $12/mo; Pro 12 cards $15/mo; Elite 60 cards $75/mo | Free |
| Monthly fee | Essential $12; Pro $15; Elite $75 (annual gives 2 months free) | Free |
| Top-up fee | 1% (stablecoin/credit card/bank transfer); some sources say credit card 5% | — |
| FX fee | Non-USD 1.5%+$0.30; USD spend $0 | — |
| Crypto funding | Yes (stablecoin top-up) | Yes (USDC) |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low |
| Our rating | 8.4 | 8.5 |
| User reviews | 319 | 847 |
| Best for | All-rounder · Ad spend | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- Tight on fees? Solid Card is the cheaper card to hold day to day.
- If risk rating weights your choice, Solid Card is the calmer of the two.
The two, compared
Both cards clear the same checkouts in our tests, so the call comes down to cost. Solid Card is cheaper on issuance (free) and top-ups (no top-up fee), while Halocard is worth the premium only for the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Halocard scores 8.4/10 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, no top-up fee. Halocard adds about $3 per virtual card, $12 a month, a 1.5% FX fee, a 1% top-up fee.
Halocard 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 3 of the same test scenarios, including Anthropic API, Facebook Ads, Google Ads. 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
Halocard and Solid Card both landed in our top picks for 3 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 2
🤖 AI Tools & Developer Tools 1
Their BIN ranges
Cards issued in 🇸🇬 Singapore · 🇺🇸 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: