Ramp vs Solid Card
Two virtual cards people weigh up side by side. We put Ramp and Solid Card on the same rows so the difference is easy to see.
Both issue on Visa; verification is ID only at Ramp versus ID + proof at Solid Card; only Solid Card takes crypto top-ups.
Ramp 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 head to head
| Field | Ramp | Solid Card |
|---|---|---|
| Card network | Visa | Visa |
| Card type | B2B Expense / Corporate | Crypto Card |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 0% | — |
| Crypto funding | No | Yes (USDC) |
| AI tool support | ChatGPT | ChatGPT / Claude / Midjourney |
| Risk level | Low | Low |
| Our rating | 9.1 | 8.5 |
| User reviews | 550 | 847 |
| Best for | Ad spend · AI subscriptions | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Multi-task users get more from Solid Card — it clears more of the checkouts we run through our test suite.
- Ramp asks for less verification up front, which matters if you want a card live the same day.
- Only Solid Card takes crypto top-ups in our data — worth knowing before you decide.
- In our scoring, Ramp finished ahead of Solid Card — not by a mile, but enough to tilt a tiebreak.
Two cards, one decision
Ramp is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at Solid Card. Solid Card earns its keep only if you need crypto funding.
Questions people ask
That depends on what you spend on. Ramp scores 9.1/10 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.
Ramp is the cheaper card to run. Both Ramp and Solid Card issue virtual cards for free; Ramp converts currency at 0%.
Ramp 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 5 of the same test scenarios, including Netflix, 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
Ramp and Solid Card both landed in our top picks for 5 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 4
📺 Streaming & Entertainment 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: