The Plasma One Card earns 2-10% XPL cashback on a Visa debit card with a $0-$120/yr or XPL lock fee, available in 150+ countries (NOT US).
Plasma is a stablecoin-focused Layer 1 blockchain with a native token XPL, backed by Bitfinex and Founders Fund. Its mainnet beta and XPL token launched on September 25, 2025 with more than $2 billion in stablecoin liquidity at launch and integrations with DeFi protocols including Aave and Ethena.
The Plasma One Card is a crypto debit card offered by Plasma, available in 150+ countries (NOT US). It offers 2-10% XPL cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0-$120/yr or XPL lock.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Its cashback rate sits in the top tier among crypto cards we track. It runs on the Visa network and requires full identity verification.
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On $500/mo spend, the estimated monthly cost breakdown for Plasma One Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $10.00/mo cashback that nets a gain of about $2.50/mo ($30.00/yr). Plasma One Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Lite | 2% | Free, $250/mo cashback cap, virtual card |
| Core | 3% | $120/yr or 20,000 XPL locked 12 months; +5% on AI spending |
| Platinum | 4% | 100,000 XPL locked 12 months, $1,000/mo cashback cap; +10% AI, +10% flights |
Note: Stablecoin-native neobank. Three-tier membership relaunched June 12, 2026 (Lite/Core/Platinum); card went live with the new structure via Rain (Visa license) around June 17, 2026. Lite is free with 2% XPL cashback and a $250/mo cap. Core is $120/yr or 20,000 XPL locked for 12 months for 3% base + 5% on AI spending, includes ChatGPT Go. Platinum locks 100,000 XPL for 12 months for 4% base + 10% AI + 10% flights with a $1,000/mo cashback cap, bundles Claude Pro + ChatGPT Plus and travel perks, and earns a boosted 5% yield on the first $500,000 of balance. Cashback paid in XPL token (volatile, USD value depends on price at payout). Up to 5% baseline yield on stablecoin balances (and 10%+ via DeFi protocols like Aave through Vault Operators; not guaranteed). Supports USDT, USDC, USDS. iOS app live; Android shipping June 2026. Seven-day free Core membership window from launch. NOT available to US citizens/residents (attestation required at activation). Restricted in US/Cuba/Iran/North Korea/Syria. Targets emerging markets (Turkey, Argentina, Africa). Virtual + physical with Apple Pay/Google Pay. 2.5B XPL (25% supply) team/investor unlock begins July 2026.
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The Plasma One Card is a crypto debit card offered by Plasma. It is available in 150+ countries (NOT US) and allows users to spend cryptocurrency at merchants worldwide.
The Plasma One Card offers 2-10% XPL cashback. There are 3 tiers: Lite (2%), Core (3%), Platinum (4%).
The Plasma One Card has an annual fee of $0-$120/yr or XPL lock.
The Plasma One Card is available in 150+ countries (NOT US). Its availability status is "Global".
The Plasma One Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Plasma One Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Plasma One Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.