Plasma One Card
- 2%-4% cashback
- 0%-1% foreign exchange fee, 0% crypto to USD conversion
- Free virtual card, instant issuance
- Apple Pay Enabled
- Unlimited daily spend
- Built on credit card rails, accepted virtually anywhere
- No Physical Card yet, so no ATM withdrawals
- 4% cashback only available with XPL Staking
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | 0% |
| Highest Cashback | up to 4% |
| Entry-Level Cashback | 2% |
| Entry-Level Cashback Monthly Cap | Unlimited |
| Daily Spending Limit | 1,000,000 USD |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (you can move funds without the wallet provider) |
| Supported Blockchains | ArbitrumBaseEthereumOptimismPlasmaPolygonSolana |
| Supported Cryptocurrencies | USDCUSDT |
| Supported Countries | AndorraUnited Arab EmiratesAfghanistanAntigua and BarbudaAnguillaAlbaniaArmenia |
Your Plasma One Card: Enjoy up to 4% cashback, 0%-1% foreign exchange fees, and Apple Pay
Plasma One Card Benefits and Rewards
Plasma One offers 2%-4% cashback on all eligible purchases, depending on the tier.
Your cashback is calculated in USD and paid out weekly in XPL tokens. After the payout, you can convert your XPL rewards to cash whenever you want.
Reality Check While Plasma One Card promotes up to 4% cashback, if you're an entry-level user, you'll qualify for 2% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Plasma One Card has no cashback cap at all - that's significantly better than the industry average:
| Plasma One Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 50 USD |
In addition, Plasma One offers nice perks, like boosted cashback for some purchase categories. For example, 10% cashback on AI-related spend.
Plasma One Card Tiers - Membership Levels
Here are Plasma One's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Lite Tier |
 Core Tier |
 Platinum Tier |
|
| Price | $0 | $10/month ($120 yearly) or 20,000 $XPL staked (~ $1,743 to stake) |
100,000 $XPL staked (~ $8,716 to stake) |
| Cashback | 2% on $500, then 0.1% (no cap) |
3% on $1,000, then 0.25%-2% (no cap) |
4% on $1,000, then 1%-3% (no cap) |
| AI Cashback | - | 5% on $250, then 1%-4% (no cap) |
10% on $500, then 1%-5% (no cap) |
| Airlines Cashback | - | - | 10% ($50 cap) |
| FX Fee | 1% | 0.5% | 0% |
| Airport Lounge Access | - | ||
| Global eSIM | - |
You can choose from these card designs depending on your tier:
|
Lite Tier
$0
|
Plasma One Lite Card
|
|
Core Tier
$10/month
($120 yearly) or 20,000 $XPL staked (~ $1,743 to stake) |
Plasma One Core Card
|
|
Platinum Tier
100,000 $XPL staked
(~ $8,716 to stake) |
Plasma One Platinum Card
|
Plasma One Card is a Visa Signature - Here Are the Bonus Perks You Get
Your Plasma One Card runs on Visa Signature tier and is issued in 🇵🇷 Puerto Rico - which automatically gets you a set of perks straight from Visa, on top of what Plasma One offers.
Premium Visa Signature is Visa's second-highest consumer tier - a step up from Platinum and just below the top-of-the-line Infinite.
If you pay for your car rental with your Plasma One Card and decline the optional insurance upgrade they push at the counter, you'll get Visa Signature insurance coverage worldwide for theft and collision on rentals up to 31 days, with no deductible.
Note:Since Plasma One doesn't have a physical card yet and most rental companies require one at the counter, you may not be able to use this benefit until Plasma One launches their physical card.
With your Plasma One Card, you get discounted access to 1,300+ airport lounges worldwide. For example, the Marhaba Lounge at Dubai (DXB) costs $53 for walk-ins, but you can book it for $32 via Visa Airport Companion app.
More Benefits
When you pay for an item with your Plasma One Card, Visa automatically adds up to 1 extra year on top of the manufacturer's warranty, free. So a MacBook with a 1-year Apple warranty becomes 2 years of coverage. Works on most electronics and appliances, coverage is up to $10,000 per year.
If you spot the same item advertised at a lower price within 30 days (7 days for online purchases), Visa refunds you the difference, free. So if you buy a PlayStation for $500 with your Plasma One Card and see it on sale for $400 a few weeks later, you get $100 back. Works on most retail purchases, with up to $500 back per item and 4 claims per year.
If your laptop gets stolen within 180 days of buying it, Visa covers you - automatically, for free. You must have paid with your Plasma One Card, filed a police report within 48 hours, and submitted your claim within 90 days to receive up to $10,000 per year, on most items bought anywhere in the world.
Do I have to sign up with Visa first to qualify for benefits?
Benefits kick in automatically, but you have to pay for your car rentals, electronics, and anything else you want covered, with your Plasma One Card.
Registering isn't required, but it makes filing claims much easier later. Go to Visa Benefits Portal, pick Puerto Rico: English at the top, and register your Plasma One Card. That gets you in.
Note:The benefits above apply at the Visa Signature level. With Plasma One Card, the Visa level depends on the membership you pick. Visa Infinite offers reduced benefits.
| Plasma One Tier | Visa Level |
| Lite (Free) | Visa Signature |
| Core ($120 / year) | Visa Signature |
| Platinum (Free) | Visa Infinite |
Plasma One Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- US
USA-based Bank Account- in your name
Useful Card Structure:Plasma One Card functions like a prepaid card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Plasma One Card carries its own balance, and you'll need to top it up before use. Alongside, Plasma One offers you a personal bank account. You'll receive a USA-based bank account number, issued in your name, which is a nice additional option to have.
Third-Party Deposits:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Plasma One, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges, receive salary payments, or get paid by clients.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Plasma One Card is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 USD |
Useful:Since Plasma One Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Plasma One Card
| Card Issuer | Rain |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45492406 |
| Validity Period | 5 years |
| Issuing Country | Puerto Rico |
Rain is the card issuer used by several other crypto cards, including Tangem Card, Tuyo Card, Payy Card, Tria Card, and Ether.fi Card.
Crypto-to-USD Conversion Cost with Plasma One Card
Plasma One Card Requires Pre-Load
Before you can use your Plasma One Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to USD and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to USD Cost | 0% |
Low Cost:Compared to the average ~1.5% crypto-to-fiat cost of other cards, converting crypto with Plasma One Card is much more cost-effective (0%). This means that you will get more USD for your crypto when using this card.
How Does Plasma One Make Money? – I see 0% fees here. Am I missing something?
Every time you make a payment with your Plasma One Card, the merchant (Starbucks, Amazon, etc.) pays a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passes part of that fee to Visa, and they share a portion of it with Plasma One.
So while you don't pay a fee directly as a cardholder, Plasma One still earns a small amount from every transaction you make - that's how card providers make money.
From all crypto cards we reviewed, Plasma One Card, Ready Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Plasma One Card Compare to Other Crypto Cards?
Plasma One Card ranks #3 out of 76 amongst all the crypto cards we have reviewed so far. This means it's in the Top 5%.
In addition, Plasma One Card ranks #2 out of 24 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Plasma One Card against its 75 competitors:
- Offers uncapped monthly cashback for entry-level users (exceeding competitors 50 USD average monthly cap).
- Offers a generous 1,000,000 USD daily spend limit (other cards offer 10,000 USD limit on average).
- Their customer service is very good with a 9.6/10 score (others score only 7.4/10 on average).
- You won't be charged any monthly fee on the base tier (while 15% of other crypto cards charge one, with a median of 2 USD per month).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0% (versus an average of ~1.5% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 9.2/10 (average fees & limits structure rating amongst other cards is 6.4/10).
- This crypto card is non-custodial, which means you can move your funds without relying on Plasma One. Your crypto stays under your control instead of being managed in a custodial account.
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 75 competitors, here are the shortcomings of Plasma One Card:
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
Plasma One Card vs. Ether.fi Card vs. Tria Card
Plasma One Card
|
Ether.fi Card
|
Tria Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 2.00 USD |
| Crypto to Fiat Cost | 0% | 0% + Gas Fees | ~0.4% |
| Highest Cashback | up to 4% | up to 3% | up to 6% |
| Entry-Level Cashback | 2% | 3% | 1.5% |
| Daily Spending Limit | 1,000,000 USD | Unlimited | 1,000,000 USD |
| Daily ATM Limit | N/A (Virtual-Only Card) | 750 USD | 750 USD |
| Foreign Exchange Fee | 1% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 4 | 2 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Ether.fi Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Plasma One Card and Tria Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Tria Card offers the best cashback rewards of up to 6%. The cashback rewards for Plasma One Card and Ether.fi Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Are People Actually Using Plasma One Card?
Market Share
Based on monthly transaction volume among the 23 largest crypto cards, Plasma One ranks #15 out of 23, capturing a 0.4% market share.1
Plasma One Monthly Transaction Volume
In May 2026, Plasma One processed approximately $3.4M in transaction volume.1
User Base Growth
Launched in January 2026, Plasma One is steadily growing, with approximately ~2.5k transacting users per month - out of roughly ~49k installs and ~9.8k registrations since launch.
Estimated Signup to Transacting User Funnel
Plasma One may have reached around ~49k installs since launch. This estimate is based on its ~2.5k monthly transacting users and general conversion estimates.
We Tested Plasma One Customer Support
We asked Plasma One customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Plasma One offers support via the following channels:
| Chat | in-app |
Location: Plasma One customer service reps are located in 
United Kingdom.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 2 min) | Solid reply explaining why the card couldn't be added to Apple Pay, with clear steps to follow. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (replied in 3 min) | Gave a clear answer about the physical card timeline, virtual card usage, and ATM withdrawals status. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 13 h 29 min) | AI bot initially asked clarifying questions, then the human agent followed up with a detailed explanation of exactly why 3DS isn't always triggered. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Chat (replied in 3 min) | Clear answer to two questions - AI explained why ATM withdrawals aren't available on the virtual card and why a PIN exists. Human agent confirmed the info. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 1 d 8 h ) | Explained the difference between a PIX QR code and a PIX key, acknowledged missing feature, forwarded feedback to the team. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
To summarize,
Competence and Problem-Solving: Plasma One's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Plasma One's support replies are personalized rather than copy-paste templates, though they tend to be brief and don't go into a lot of detail.
Reply Speed: Response times are inconsistent, ranging from as quick as 2 minutes to as slow as 1 day.
Overall Customer Service Rating: 9.6/10
This excellent score places Plasma One Customer Service well above the crypto card industry average of 7.4/10.
Plasma One Early Access Code
Use this early access code NASH7Y to unlock Plasma One Card private beta.
Here's how you can enter the early access code:
..or, just click here to go to the App Store.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Plasma One Card Available for Residents of United States?
Yes, Plasma One Card is available for residents of United States.
Plasma One Card supports the following countries: Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius, and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo Republic, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, St Kitts and Nevis, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, The Netherlands, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 20 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Good to Know. What's My Next Step?
