How cashback works
Every purchase you make with the Solid Card earns cashback. Your rate and monthly cap depend on your Solid Rewards tier:
Core: 3% back, up to $50 per month
Prime: 4% back, up to $100 per month
Ultra: 5% back, up to $200 per month
Cashback is paid in USDC. For how tiers work and how to climb them, see How does Solid Rewards work?
Cashback is credited 14 days after the transaction settles. This delay exists to account for refunds, so cashback is only paid out on purchases you actually keep.
You can see the cashback earned on each purchase by opening the transaction in the app: every transaction's details show the merchant, category, and the exact cashback amount for that purchase.
Subscription cashback (Prime and Ultra)
Prime and Ultra members also earn extra cashback on eligible subscriptions in three categories: AI tools, streaming, and music. Prime members earn 25% back and Ultra members earn 50% back on eligible services in these categories. It is a permanent tier benefit, on top of your regular cashback on everything else, paid in USDC and counting toward your tier's monthly cashback cap. Pay for the subscription with your Solid card and the cashback is credited automatically. For the details and eligible services, see How does Solid Rewards work?
Where does it land?
Your cashback is paid straight into your Savings. It lands in the USDC vault and is automatically converted into soUSD, the yield-bearing version of USDC, so it starts earning yield the moment it arrives. No manual moves needed.
How to spend it
Your cashback lands as soUSD and earns yield automatically, so if you do nothing it simply keeps growing. When you want to use it, you have two options:
Spend it: deposit it to your card. Open the Wallet tab, tap your card, tap Add funds, and top up from your Savings. Your card balance updates immediately.
Swap to USDC: convert your soUSD back to USDC using Swap in your Wallet whenever you want a plain USDC balance.
For every way to earn with Solid, see How to earn more with Solid.