Solid gives you several ways to earn, and they stack. Whether you only hold savings, only spend on your card, or use everything, there is always one more thing you can switch on. This guide covers every earning mechanism and the quickest next step for each.

The full picture

Mechanism	What you earn	Who it's for
Yield on savings	Daily yield on your deposits	Everyone
Points and tiers	Points that unlock better rewards	Everyone who opts in
Card cashback	3% to 5% back in USDC	Card holders
Subscription cashback	Up to 50% back on eligible subscriptions	Prime and Ultra members
Referrals	Cash rewards plus 10% of your friends' points	Everyone
Borrow Mode	Keep earning yield while you spend	Savers who also spend
Boosted yield	Extra yield for higher tiers	Coming soon

1. Yield on your savings

This is the foundation. Deposit into a Solid vault and your balance earns yield automatically, paid out daily. The rate fluctuates with market conditions, and the current rate is always shown in the app. There are no deposit fees and no lock-ups: your money stays yours and you can withdraw at any time.

Earn more: yield compounds on your full balance, so the single biggest lever is depositing more and keeping it deposited. Idle funds sitting outside Solid earn nothing.

2. Points and tiers

Solid Rewards turns your everyday activity into points, and points unlock tiers with better rewards. You earn:

Save: 1 point every hour for every $1 held in a Solid vault (USDC, ETH, or FUSE)
Spend: 1 point for every $1 spent on your Solid card
Swap: 1 point for every $1 swapped in the app
Invite: 10% of the daily points your invited friends earn

Everyone starts at Core. Prime unlocks at 5,000,000 points and Ultra at 35,000,000 points. Because saving earns points every hour, your balance and how long you hold it matter most.

Earn more: make sure you have opted in to Rewards on the rewards screen. Points only start counting once you opt in. Then check how far you are from the next tier: each tier raises your cashback rate and cap.

3. Card cashback

Every purchase with your Solid card earns cashback in USDC, at your tier's rate:

Core: 3% back, up to $50 per month
Prime: 4% back, up to $100 per month
Ultra: 5% back, up to $200 per month

There are no categories to activate and no minimum spend. The card works anywhere Visa is accepted, including Apple Pay and Google Pay, with no card fees at any tier.

Earn more: if you save with Solid but haven't ordered your card yet, you're leaving cashback on the table every time you pay with another card. If you already spend on the card, moving up a tier raises both your rate and your monthly cap.

4. Subscription cashback (Prime and Ultra)

Prime and Ultra members earn extra cashback on eligible recurring subscriptions such as streaming and music services, paid in USDC:

Prime: 25% back on eligible services in 2 categories
Ultra: 50% back on eligible services in 4 categories

Subscription cashback is capped at $50 per service per month. Just pay for the subscription with your Solid card and the cashback lands automatically.

Earn more: if you're at Core, this is one of the strongest reasons to reach Prime. If you're already Prime or Ultra, switch your existing subscriptions to your Solid card. That's money back on bills you were paying anyway.

5. Referrals

Inviting friends pays both of you:

Your friend earns $10 after signing up with your link, activating their card, and spending $75 on it
You earn $15 for each friend who completes those steps, plus 10% of the points they earn on an ongoing basis

Earn more: referrals are the only mechanism with no ceiling tied to your own activity. Every active friend adds to your points, which also moves you toward your next tier.

6. Borrow Mode: keep earning while you spend

Normally, spending your savings means giving up the yield they were earning. Borrow Mode removes that trade-off. Instead of selling your savings, you borrow USDC against your soUSD at a low rate and spend as usual, while your full savings balance keeps earning yield in the background. Your yield can go toward repaying what you borrowed.

Earn more: if you regularly spend from your savings, enable Borrow Mode in your Card settings. Your balance keeps compounding instead of shrinking with every purchase. See "Understanding Your Solid Card: Savings Mode vs Borrow Mode" for how limits and repayment work.

7. Coming soon: boosted yield

We're working on a yield boost for higher tiers, paid on top of the base yield your savings already earn. Details will be announced when it goes live. Climbing tiers now means you'll be positioned to benefit from day one.

What should I do next?

You hold savings but don't have the card: order your card and turn everyday spending into cashback and points.
You spend on the card but keep little in Solid: deposit more. Savings earn yield daily and are the fastest way to climb tiers.
You're close to Prime or Ultra: check your points on the rewards screen. A higher tier raises your cashback rate, your cap, and unlocks subscription cashback.
You're Prime or Ultra: move your subscriptions to your Solid card and claim the extra cashback.
You spend from your savings: enable Borrow Mode so your balance keeps earning while you spend.
You've done all of the above: invite friends. It's the only reward with no cap tied to your own activity.