Privacy.com vs Solid Card
Torn between Privacy.com and Solid Card? The comparison below is built from the same test data we use across the rest of the site.
Privacy.com issues on Visa · Mastercard and Solid Card on Visa; verification is ID only at Privacy.com versus ID + proof at Solid Card; only Solid Card takes crypto top-ups.
Privacy.com is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Solid Card is the better fit for power users who need crypto funding.
The short version of the matchup
| Field | Privacy.com | Solid Card |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Fintech Wallet | Crypto Card |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free (Personal free; Plus $5 / Pro $10 / Premium $25 per mo) | Free |
| Top-up fee | — | — |
| FX fee | 3% foreign (min $0.50); $0 on Pro/Premium | — |
| Crypto funding | No | Yes (USDC) |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Low | Low |
| Our rating | 9.2 | 8.5 |
| User reviews | 74 | 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 head to head
- Privacy.com has the lighter onboarding; Solid Card will want more documents from you.
- Solid Card can sit on a crypto balance; Privacy.com cannot, so the call depends on how you fund it.
- Privacy.com edged Solid Card on our composite rating across fees, risk and merchant tests.
Side by side
Both cards clear the same checkouts in our tests, so the call comes down to cost. Privacy.com is cheaper on issuance (free) and top-ups (no top-up fee), while Solid Card is worth the premium only for crypto funding.
Questions people ask
That depends on what you spend on. Privacy.com scores 9.2/10 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.
Privacy.com is the cheaper card to run. Both Privacy.com and Solid Card issue virtual cards for free; Privacy.com converts currency at 3%.
Privacy.com asks for ID only 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 17 of the same test scenarios, including Claude.ai, Anthropic API, ElevenLabs. 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
Privacy.com and Solid Card both landed in our top picks for 17 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 8
📺 Streaming & Entertainment 3
📈 Ad Platforms 3
🎮 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: