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Plasma One

by Rain (Visa Principal Member); operated by Plasma

Get my Plasma One
Marketed: 3.0%Your effective cashback: 1.0% ($48/mo) at $5,000/mo on the Core plan
Cashback earned on your spend
$1,000 spent × 3.0%
3.0% applies to the first $1,000/mo of spend
$30/mo
$1,000 spent × 2.0%
2.0% applies to the first $1,000/mo of spend
$20/mo
$1,000 spent × 1.0%
1.0% applies to the first $1,000/mo of spend
$10/mo
$2,000 spent × 0.3%
0.3% on the rest of your spend (no cap)
$5/mo
Gross cashback per month
sum of the bands above, before fees
$65/mo
Annual cashback
$65/mo × 12 months
$780/yr
Fees subtracted (first-year view)
Annual membership fee
recurring cost to hold this plan
−$199/yr
Net cashback after fees
annual cashback minus all fees
$581/yr
Effective cashback rate
net ÷ your annual spend (1.0%)
1.0%

Based on your monthly spend — edit it on the home page.

Custody
self-custodial
Type
prepaid
Regions
150+ countries (excl. USA, Cuba, Iran, North Korea, Syria)
Extra rewards
—
Rewards detail
Cashback paid in XPL (token live); no separate card points program confirmed.

Cashback plans

Fees

FX markup
Plasma markup ~1% (Lite), ~0.5% (Core), 0% (Platinum); Visa network fees may apply (third-party sourced)
ATM
N/A (virtual-only at launch)
Spending (crypto→USD)
0% crypto-to-USD conversion
Funding / top-up
0% (USDT/USDC stablecoins; USD virtual account via Bridge)
Issuance
$0
Monthly
$0 (Lite); Core $199/yr or lock 20,000 XPL (12 mo); Platinum lock 100,000 XPL (12 mo) only

Perks & benefits

Pros

  • Entry 2% cashback free — no fee, no stake (Lite)
  • Low/zero FX markup by tier (~1% / ~0.5% / 0%)
  • Self-custodial stablecoin balance (you own the funds)
  • Idle balance earns up to ~5% APY via Earn vault
  • Visa acceptance across 150+ countries
  • Core can be unlocked with a $199/yr subscription (no lock required) or by locking XPL

Cons

  • Cashback accrues in USD but is PAID IN XPL — token-price volatility
  • US residents excluded
  • Virtual-only at launch — no physical card or ATM yet
  • Top Platinum tier is lock-ONLY: must lock 100,000 XPL for 12 months (no cash path)
  • XPL lock has no early unlock, no partial refund, re-locks 12 mo on upgrade
  • Google Pay not yet live (Apple Pay only)
Get my Plasma One

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Researched June 2026 from official plasma.org tier pages + 6 third-party sources; verify Help Center figures before publishing. TIER UNLOCK MECHANICS (official): Lite = free, no lock. Core = $199/yr subscription OR lock 20,000 XPL for 12 months (BOTH modeled as separate Core plans; the engine picks the cheaper eligible one — at these figures the $199/yr cash path beats the lock's ~$270/yr depreciation cost, so cash usually wins; figure corrected to $199/yr per product owner 2026-06-28, was previously researched as $120/yr — VERIFY against plasma.org/personal/core). Platinum = lock 100,000 XPL for 12 months ONLY, no cash/subscription path. Lock terms (official): 12-month lock from deposit, no early unlock/partial refund/pro-rata return; adding XPL to upgrade re-locks the combined balance for a fresh 12 months; cannot close account while a lock is active; released only to a pre-set withdrawal address. requiresStake for Platinum = 100,000 XPL x $0.090 = $9,000 (XPL price $0.090 on 2026-06-22 per CoinGecko/CoinDesk; ESTIMATE, volatile). Core lock alternative = 20,000 XPL x $0.090 = $1,800 (modeled as the 'Core (locked)' plan, requiresStake 1800). CASHBACK BANDS (official tier pages): Lite 2% (third-party: to $500 then 0.1%; band not on official page = MEDIUM confidence). Core 3% first $1,000 / 2% to $2,000 / 1% to $3,000 / 0.25% above (official). Platinum 4% first $3,000 / 3% to $10,000 / 2% to $15,000 / 1% above (official). Tier monthlySpendCap values are band WIDTHS (cumulative thresholds converted: Core 1k/1k/1k; Platinum 3k/7k/5k). CATEGORY BONUSES (NOT baked into base rate): Core 5% on AI spend up to $500/mo AI purchases; Platinum 10% on AI spend + 10% on eligible flights up to $600/yr; a separate $100-cap AI promo runs at /aicashback. monthlyRewardCap ($250 Lite/Core, $1,000 Platinum) is THIRD-PARTY sourced (cardpilled/kkinvesting) — NOT confirmed on official pages = LOW confidence; official structure relies on rate step-down bands rather than a hard USD cap. Cashback paid weekly in XPL at market price. Status: launched publicly ~June 12 2026 (some sources say invite/phased rollout). Issuer Rain confirmed by official site + 4 sources (cryptocardhub's 'Signify Holdings' is an outlier). Sources: plasma.org/personal, /personal/core, /personal/platinum, /personal/lite, /plasma-one-rewards, /plasma-one-cashback-and-referral-terms, /aicashback; cryptonoshi.com, cardpilled.com, kkinvesting.io, spendnode.io, Yahoo Finance, cryptobriefing.com. CONFLICT: Core lock 10,000 XPL (spendnode/cardpilled/Yahoo, stale/pre-launch) vs 20,000 XPL (official plasma.org/personal/core, cryptonoshi, kkinvesting) — 20,000 used. · Last updated 2026-06-28