Pikabao vs Solid Card
Both Pikabao and Solid Card clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Pikabao issues on Visa · Mastercard (20 BIN options: and Solid Card on Visa; verification is No KYC at Pikabao versus ID + proof at Solid Card; only Solid Card funds by bank transfer.
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. Pikabao is the better fit for power users who need Alipay or WeChat top-ups.
What sets them apart
| Field | Pikabao | Solid Card |
|---|---|---|
| Card network | Visa/Mastercard (20 BIN options: 9 US + 11 HK) | Visa |
| Card type | Anonymous VCC | Crypto Card |
| KYC | No KYC | ID + proof |
| Card issuance fee | $2-3 (US card); $0.10-$0.50 (US per-card); 10U (HK card) | Free |
| Monthly fee | Free (no monthly fee) | Free |
| Top-up fee | 3% (USDT top-up) | — |
| FX fee | $0.10/transaction + 0.5% FX (interbank+$0.5%) | — |
| Crypto funding | Yes (USDT TRC20/BSC; TON) | Yes (USDC) |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | High | Low |
| Our rating | 9.0 | 8.5 |
| User reviews | 627 | 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.
The two, compared
- If the monthly outgoings matter, Solid Card leaves more in your pocket than Pikabao.
- Pikabao asks for less verification up front, which matters if you want a card live the same day.
- In our scoring, Pikabao finished ahead of Solid Card — not by a mile, but enough to tilt a tiebreak.
- Solid Card carries the lower risk flag in our file, which some users prefer for a primary card.
The head to head
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 Pikabao is worth the premium only for Alipay or WeChat top-ups.
Questions people ask
That depends on what you spend on. Pikabao scores 9.0/10 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. Pikabao adds about $2 per virtual card, a 0.5% FX fee, a 3% top-up fee.
Pikabao asks for No KYC 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 8 of the same test scenarios, including v0.dev, Poe, Stable Diffusion. 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
Pikabao and Solid Card both landed in our top picks for 8 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 4
📈 Ad Platforms 2
🛍️ Cross-border Shopping 1
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇺🇸 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: