RizzCard vs SolCard: Which No-KYC Crypto Card Wins in 2026?
The short answer: SolCard's advantage is a free first card. RizzCard's advantages are everything recurring: a 2.8% + $1 top-up fee versus SolCard's 5%, a $100,000 monthly limit versus $10,000, free withdrawals and declined transactions versus $1 and $0.50, no per-transaction fee versus $0.30, unlimited cards versus 3, and 3D Secure, which SolCard lacks entirely. Neither requires KYC.
RizzCard vs SolCard at a glance (August 2026)
| Feature | RizzCard | SolCard |
|---|---|---|
| Monthly Limit | $100,000 | $10,000 |
| Maintenance Fee | $0 | $0 |
| Top-Up Fee | 2.8% | 5% |
| Minimum Top-Up | $10 | $10 |
| Deposit Fee | 0% | 0% |
| Withdrawal Fee | 0% | $1 |
| Decline Transaction Fee | 0% | $0.50 |
| Transaction Fee | 0% | $0.30 |
| Cross-Border Fee | 0% | 0% |
| Exchange Fee (Non-USD) | 2% | 2% |
| Base Currency | USD | USD |
| KYC/AML | Not Required | Not Required |
| Card Creation Fee | $8 | 1 Free / $10 |
| Total Fees | 2.80% | 5% |
| Cards Issuing Limit | No limit | 3 |
| Apple/Google Pay | Yes | Yes |
| 3D Secure | Yes | No |
RizzCard adds a $1 fixed fee to every top-up on top of the 2.8%. Non-USDT top-ups are swapped to USDT with a 0.1% slippage tolerance.
The 3D Secure problem
The most practical difference between these two cards: 3D Secure (the “verify your purchase” step) is required by a growing share of online merchants, subscription services, and ad platforms, and is near-universal for European merchants under PSD2. A card without it simply fails at checkout more often. SolCard has no 3D Secure; RizzCard's Visa Platinum rails support it.
Fees over time
SolCard's free first card is a genuine perk. But at a 5% top-up fee versus RizzCard's 2.8% + $1, a $500 top-up costs $25 on SolCard versus $15 on RizzCard, so the free card ends up costing more than RizzCard's $8 creation fee from the very first meaningful top-up. SolCard's $0.30 per-transaction fee also adds up if you use the card daily.
Scale
RizzCard's monthly limit is $100,000 versus SolCard's $10,000, and RizzCard issues unlimited cards where SolCard stops at 3. SolCard is built for light personal spending; RizzCard covers that plus business scale.
Verdict
Pick SolCard to try a no-KYC card with zero upfront cost for small, occasional purchases at merchants that don't require 3D Secure. Pick RizzCard for anything regular, anything requiring purchase verification, or anything over $10,000 a month.
Frequently asked questions
Is RizzCard cheaper than SolCard?
Per top-up, yes: a $500 top-up costs $15 on RizzCard versus $25 on SolCard. SolCard's first card is free, though, versus RizzCard's $8 creation fee.
Does SolCard have 3D Secure?
No. This causes failures at merchants that require purchase verification (as of August 2026).
Which has the higher limit?
RizzCard, at $100,000 per month versus SolCard's $10,000.
Do either require KYC?
No. Both are no-KYC cards.
Competitor data as of August 2026, from SolCard's published pricing. Spotted an outdated number? Tell us on Telegram.
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